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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 | $60,729 | $183,539-66.9% | $155,556-61.0% | $145,897-58.4% |
| Participation rate | 69.2% | 82.7%-13.5pp | 78.2%-9.0pp | 80.3%-11.1pp |
| Annual return | 10.49% | 61.31%-50.8pp | 64.84%-54.4pp | 552.29%-541.8pp |
| Employer contribution / active EE | $2,884 | $5,315-45.7% | $4,675-38.3% | $4,663-38.2% |
| Participant deferral / active EE | $7,208 | $6,467+11.5% | $5,631+28.0% | $6,689+7.8% |
| Admin fee / account holder | $1,014 | $19,275-94.7% | $15,885-93.6% | $13,390-92.4% |