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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 | $71,394 | $134,817-47.0% | $123,973-42.4% | $155,188-54.0% |
| Participation rate | 69.2% | 79.4%-10.2pp | 76.7%-7.4pp | 80.8%-11.6pp |
| Annual return | 16.51% | 515.49%-499.0pp | 388.13%-371.6pp | 148.84%-132.3pp |
| Employer contribution / active EE | $2,264 | $4,425-48.8% | $4,126-45.1% | $4,248-46.7% |
| Participant deferral / active EE | $6,925 | $5,706+21.4% | $5,247+32.0% | $6,531+6.0% |
| Admin fee / account holder | $861 | $13,245-93.5% | $11,799-92.7% | $14,480-94.1% |