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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 | $62,043 | $109,372-43.3% | $89,414-30.6% | $158,966-61.0% |
| Participation rate | 66.7% | 74.3%-7.6pp | 68.0%-1.3pp | 82.0%-15.3pp |
| Annual return | 51.19% | 345.55%-294.4pp | 245.50%-194.3pp | 302.95%-251.8pp |
| Employer contribution / active EE | $6,185 | $3,171+95.0% | $2,586+139.1% | $4,762+29.9% |
| Participant deferral / active EE | $5,251 | $4,598+14.2% | $3,890+35.0% | $5,983-12.2% |
| Admin fee / account holder | $600 | $6,156-90.3% | $4,883-87.7% | $11,250-94.7% |