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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 | $70,366-9.6% | $66,674-4.6% | $138,895-54.2% |
| Participation rate | 64.7% | 76.2%-11.5pp | 73.7%-9.0pp | 79.9%-15.2pp |
| Annual return | 17.57% | 386.41%-368.8pp | 321.24%-303.7pp | 145.39%-127.8pp |
| Employer contribution / active EE | $3,859 | $2,765+39.5% | $2,620+47.3% | $4,194-8.0% |
| Participant deferral / active EE | $7,914 | $4,374+80.9% | $4,084+93.8% | $6,396+23.7% |
| Admin fee / account holder | $1,699 | $5,262-67.7% | $5,098-66.7% | $12,562-86.5% |