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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 | $102,575 | $144,130-28.8% | $117,861-13.0% | $147,586-30.5% |
| Participation rate | 52.9% | 83.4%-30.5pp | 79.7%-26.7pp | 82.8%-29.9pp |
| Annual return | 13.30% | 531.20%-517.9pp | 335.11%-321.8pp | 578.59%-565.3pp |
| Employer contribution / active EE | $11,271 | $4,897+130.2% | $3,786+197.7% | $4,876+131.1% |
| Participant deferral / active EE | $6,315 | $5,316+18.8% | $4,482+40.9% | $5,439+16.1% |
| Admin fee / account holder | $330 | $10,887-97.0% | $8,021-95.9% | $10,886-97.0% |