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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 | $35,715 | $209,422-82.9% | $178,503-80.0% | $158,982-77.5% |
| Participation rate | 68.8% | 86.4%-17.6pp | 81.9%-13.2pp | 82.0%-13.2pp |
| Annual return | 23.22% | 188.81%-165.6pp | 151.12%-127.9pp | 302.99%-279.8pp |
| Employer contribution / active EE | $2,138 | $5,707-62.5% | $5,011-57.3% | $4,763-55.1% |
| Participant deferral / active EE | $5,792 | $5,955-2.7% | $5,202+11.3% | $5,983-3.2% |
| Admin fee / account holder | $912 | $17,079-94.7% | $13,987-93.5% | $11,252-91.9% |