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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 | $70,069 | $111,787-37.3% | $93,681-25.2% | $145,978-52.0% |
| Participation rate | 66.7% | 74.2%-7.6pp | 68.7%-2.1pp | 80.3%-13.6pp |
| Annual return | 12.29% | 203.52%-191.2pp | 133.47%-121.2pp | 550.52%-538.2pp |
| Employer contribution / active EE | $2,426 | $3,093-21.6% | $2,422+0.1% | $4,662-48.0% |
| Participant deferral / active EE | $6,622 | $4,918+34.7% | $4,415+50.0% | $6,690-1.0% |
| Admin fee / account holder | $963 | $10,256-90.6% | $8,290-88.4% | $13,400-92.8% |