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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 | $42,597 | $154,159-72.4% | $130,026-67.2% | $139,456-69.5% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.5%-11.8pp | 80.3%-13.7pp |
| Annual return | 29.89% | 32.50%-2.6pp | -137.26%+167.2pp | 373.45%-343.6pp |
| Employer contribution / active EE | $5,537 | $5,292+4.6% | $4,321+28.1% | $4,753+16.5% |
| Participant deferral / active EE | $6,407 | $6,710-4.5% | $5,821+10.1% | $6,711-4.5% |
| Admin fee / account holder | $471 | $14,001-96.6% | $10,608-95.6% | $11,407-95.9% |