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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 | $100,699 | $166,242-39.4% | $165,071-39.0% | $145,884-31.0% |
| Participation rate | 61.1% | 82.0%-20.9pp | 78.6%-17.5pp | 80.3%-19.2pp |
| Annual return | 11.25% | 100.44%-89.2pp | 70.17%-58.9pp | 551.85%-540.6pp |
| Employer contribution / active EE | $2,373 | $5,283-55.1% | $4,347-45.4% | $4,662-49.1% |
| Participant deferral / active EE | $5,554 | $6,964-20.2% | $6,035-8.0% | $6,690-17.0% |
| Admin fee / account holder | $10,450 | $16,658-37.3% | $12,695-17.7% | $13,392-22.0% |