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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 | $75,629 | $111,814-32.4% | $93,654-19.2% | $145,959-48.2% |
| Participation rate | 66.7% | 74.2%-7.5pp | 68.7%-2.1pp | 80.3%-13.6pp |
| Annual return | 14.59% | 203.30%-188.7pp | 133.34%-118.7pp | 561.95%-547.4pp |
| Employer contribution / active EE | $2,276 | $3,092-26.4% | $2,421-6.0% | $4,661-51.2% |
| Participant deferral / active EE | $8,355 | $4,914+70.0% | $4,413+89.3% | $6,689+24.9% |
| Admin fee / account holder | $3,189 | $10,246-68.9% | $8,282-61.5% | $13,398-76.2% |