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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,861 | $171,492-70.3% | $150,734-66.3% | $198,609-74.4% |
| Participation rate | 66.7% | 81.4%-14.7pp | 78.4%-11.8pp | 82.4%-15.7pp |
| Annual return | 16.12% | 804.70%-788.6pp | 600.81%-584.7pp | 202.70%-186.6pp |
| Employer contribution / active EE | $1,928 | $5,470-64.7% | $4,918-60.8% | $5,055-61.9% |
| Participant deferral / active EE | $7,999 | $6,259+27.8% | $5,610+42.6% | $6,977+14.7% |
| Admin fee / account holder | $561 | $17,628-96.8% | $14,905-96.2% | $19,030-97.1% |