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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 | $69,327 | $148,623-53.4% | $135,974-49.0% | $139,466-50.3% |
| Participation rate | 62.5% | 83.9%-21.4pp | 81.9%-19.4pp | 80.3%-17.8pp |
| Annual return | 14.60% | 79.30%-64.7pp | 68.30%-53.7pp | 373.66%-359.1pp |
| Employer contribution / active EE | $3,391 | $5,246-35.4% | $4,859-30.2% | $4,754-28.7% |
| Participant deferral / active EE | $7,835 | $8,103-3.3% | $7,760+1.0% | $6,712+16.7% |
| Admin fee / account holder | $2,353 | $12,406-81.0% | $10,767-78.1% | $11,409-79.4% |