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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 | $139,606 | $107,363+30.0% | $92,909+50.3% | $152,897-8.7% |
| Participation rate | 63.6% | 79.8%-16.2pp | 76.0%-12.4pp | 82.5%-18.8pp |
| Annual return | 22.39% | 145.63%-123.2pp | 109.44%-87.1pp | 345.43%-323.0pp |
| Employer contribution / active EE | $2,359 | $4,222-44.1% | $3,653-35.4% | $4,764-50.5% |
| Participant deferral / active EE | $6,280 | $4,848+29.5% | $4,238+48.2% | $5,851+7.3% |
| Admin fee / account holder | $5,289 | $7,082-25.3% | $5,795-8.7% | $11,599-54.4% |