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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 | $183,592-66.9% | $155,567-61.0% | $145,959-58.4% |
| Participation rate | 69.2% | 82.7%-13.4pp | 78.2%-9.0pp | 80.3%-11.1pp |
| Annual return | 10.49% | 61.24%-50.8pp | 64.74%-54.3pp | 561.95%-551.5pp |
| Employer contribution / active EE | $2,884 | $5,315-45.7% | $4,674-38.3% | $4,661-38.1% |
| Participant deferral / active EE | $7,208 | $6,464+11.5% | $5,628+28.1% | $6,689+7.8% |
| Admin fee / account holder | $1,014 | $19,318-94.7% | $15,916-93.6% | $13,398-92.4% |