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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 | $85,676 | $197,637-56.6% | $177,848-51.8% | $158,982-46.1% |
| Participation rate | 62.5% | 88.5%-26.0pp | 87.7%-25.2pp | 82.0%-19.5pp |
| Annual return | 12.18% | 58.77%-46.6pp | 48.33%-36.1pp | 302.99%-290.8pp |
| Employer contribution / active EE | $3,318 | $6,698-50.5% | $5,919-43.9% | $4,763-30.3% |
| Participant deferral / active EE | $4,001 | $8,405-52.4% | $7,714-48.1% | $5,983-33.1% |
| Admin fee / account holder | $3,921 | $15,406-74.5% | $12,431-68.5% | $11,252-65.2% |