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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 | $62,679 | $217,432-71.2% | $185,851-66.3% | $167,553-62.6% |
| Participation rate | 64.3% | 86.1%-21.8pp | 81.7%-17.4pp | 82.1%-17.8pp |
| Annual return | 25.07% | 148.43%-123.4pp | 122.11%-97.0pp | 478.89%-453.8pp |
| Employer contribution / active EE | $6,619 | $5,874+12.7% | $5,168+28.1% | $4,840+36.8% |
| Participant deferral / active EE | $6,500 | $6,357+2.2% | $5,569+16.7% | $6,343+2.5% |
| Admin fee / account holder | $415 | $19,820-97.9% | $16,245-97.4% | $12,316-96.6% |