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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 | $183,592-45.8% | $155,574-36.0% | $145,877-31.8% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 14.24% | 61.37%-47.1pp | 64.87%-50.6pp | 551.28%-537.0pp |
| Employer contribution / active EE | $4,856 | $5,317-8.7% | $4,676+3.9% | $4,663+4.1% |
| Participant deferral / active EE | $12,611 | $6,466+95.0% | $5,629+124.0% | $6,691+88.5% |
| Admin fee / account holder | $29,758 | $19,316+54.1% | $15,914+87.0% | $13,402+122.0% |