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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 | $85,038 | $159,934-46.8% | $147,005-42.2% | $145,959-41.7% |
| Participation rate | 53.8% | 84.0%-30.2pp | 82.2%-28.3pp | 80.3%-26.4pp |
| Annual return | 10.95% | 98.24%-87.3pp | 418.76%-407.8pp | 561.95%-551.0pp |
| Employer contribution / active EE | $4,072 | $5,287-23.0% | $4,934-17.5% | $4,661-12.6% |
| Participant deferral / active EE | $7,886 | $8,427-6.4% | $8,070-2.3% | $6,689+17.9% |
| Admin fee / account holder | $8,827 | $15,053-41.4% | $13,006-32.1% | $13,398-34.1% |