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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 | $42,169 | $150,412-72.0% | $120,574-65.0% | $145,884-71.1% |
| Participation rate | 68.8% | 78.8%-10.0pp | 71.9%-3.2pp | 80.3%-11.6pp |
| Annual return | 17.37% | 154.50%-137.1pp | 107.42%-90.1pp | 551.85%-534.5pp |
| Employer contribution / active EE | $1,616 | $4,355-62.9% | $3,471-53.4% | $4,662-65.3% |
| Participant deferral / active EE | $6,532 | $6,175+5.8% | $4,996+30.7% | $6,690-2.4% |
| Admin fee / account holder | $7,996 | $12,224-34.6% | $9,445-15.3% | $13,392-40.3% |