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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 | $81,911 | $111,785-26.7% | $93,669-12.6% | $145,877-43.8% |
| Participation rate | 57.9% | 74.2%-16.3pp | 68.7%-10.8pp | 80.3%-22.4pp |
| Annual return | 18.78% | 203.79%-185.0pp | 133.59%-114.8pp | 551.28%-532.5pp |
| Employer contribution / active EE | $2,230 | $3,096-28.0% | $2,424-8.0% | $4,663-52.2% |
| Participant deferral / active EE | $5,374 | $4,919+9.3% | $4,416+21.7% | $6,691-19.7% |
| Admin fee / account holder | $1,021 | $10,256-90.0% | $8,291-87.7% | $13,402-92.4% |