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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 | $102,094 | $102,595-0.5% | $94,057+8.5% | $154,746-34.0% |
| Participation rate | 61.1% | 76.0%-14.9pp | 73.3%-12.2pp | 80.7%-19.6pp |
| Annual return | 16.77% | 583.42%-566.7pp | 480.62%-463.9pp | 172.34%-155.6pp |
| Employer contribution / active EE | $2,567 | $3,147-18.4% | $2,933-12.5% | $4,379-41.4% |
| Participant deferral / active EE | $7,496 | $5,118+46.5% | $4,709+59.2% | $6,730+11.4% |
| Admin fee / account holder | $1,466 | $7,736-81.1% | $7,244-79.8% | $14,365-89.8% |