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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 | $113,615 | $112,935+0.6% | $90,970+24.9% | $158,966-28.5% |
| Participation rate | 64.3% | 74.7%-10.5pp | 69.0%-4.7pp | 82.0%-17.7pp |
| Annual return | 5.23% | 215.79%-210.6pp | 134.58%-129.4pp | 302.95%-297.7pp |
| Employer contribution / active EE | $1,664 | $2,895-42.5% | $2,122-21.6% | $4,762-65.1% |
| Participant deferral / active EE | $3,293 | $4,129-20.2% | $3,373-2.4% | $5,983-45.0% |
| Admin fee / account holder | $455 | $8,045-94.4% | $5,960-92.4% | $11,250-96.0% |