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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 | $81,912 | $104,937-21.9% | $84,628-3.2% | $152,897-46.4% |
| Participation rate | 60.9% | 74.8%-14.0pp | 68.2%-7.4pp | 82.5%-21.6pp |
| Annual return | 20.45% | 373.88%-353.4pp | 258.80%-238.3pp | 345.43%-325.0pp |
| Employer contribution / active EE | $2,079 | $3,303-37.1% | $2,653-21.6% | $4,764-56.4% |
| Participant deferral / active EE | $3,859 | $4,690-17.7% | $3,900-1.0% | $5,851-34.0% |
| Admin fee / account holder | $3,518 | $6,243-43.6% | $4,914-28.4% | $11,599-69.7% |