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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 | $99,548 | $183,539-45.8% | $155,556-36.0% | $145,897-31.8% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 14.24% | 61.31%-47.1pp | 64.84%-50.6pp | 552.29%-538.0pp |
| Employer contribution / active EE | $4,856 | $5,315-8.6% | $4,675+3.9% | $4,663+4.1% |
| Participant deferral / active EE | $12,611 | $6,467+95.0% | $5,631+124.0% | $6,689+88.5% |
| Admin fee / account holder | $29,758 | $19,275+54.4% | $15,885+87.3% | $13,390+122.2% |