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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 | $75,667 | $112,915-33.0% | $90,965-16.8% | $158,950-52.4% |
| Participation rate | 63.6% | 74.7%-11.1pp | 69.0%-5.4pp | 82.0%-18.3pp |
| Annual return | 10.76% | 215.75%-205.0pp | 134.57%-123.8pp | 302.91%-292.2pp |
| Employer contribution / active EE | $2,944 | $2,894+1.7% | $2,122+38.7% | $4,762-38.2% |
| Participant deferral / active EE | $6,012 | $4,128+45.6% | $3,373+78.2% | $5,983+0.5% |
| Admin fee / account holder | $4,318 | $8,044-46.3% | $5,960-27.6% | $11,248-61.6% |