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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 | $63,617 | $102,595-38.0% | $94,057-32.4% | $154,746-58.9% |
| Participation rate | 64.7% | 76.0%-11.3pp | 73.3%-8.6pp | 80.7%-16.0pp |
| Annual return | 17.57% | 583.42%-565.8pp | 480.62%-463.0pp | 172.34%-154.8pp |
| Employer contribution / active EE | $3,859 | $3,147+22.6% | $2,933+31.6% | $4,379-11.9% |
| Participant deferral / active EE | $7,914 | $5,118+54.6% | $4,709+68.1% | $6,730+17.6% |
| Admin fee / account holder | $1,699 | $7,736-78.0% | $7,244-76.6% | $14,365-88.2% |