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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 | $112,680 | $112,131+0.5% | $95,964+17.4% | $158,982-29.1% |
| Participation rate | 55.6% | 79.0%-23.4pp | 77.1%-21.5pp | 82.0%-26.4pp |
| Annual return | 13.30% | 171.19%-157.9pp | 91.64%-78.3pp | 302.99%-289.7pp |
| Employer contribution / active EE | $994 | $3,199-68.9% | $2,541-60.9% | $4,763-79.1% |
| Participant deferral / active EE | $2,747 | $4,784-42.6% | $4,167-34.1% | $5,983-54.1% |
| Admin fee / account holder | $3,819 | $10,136-62.3% | $6,797-43.8% | $11,252-66.1% |