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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 | $67,644 | $183,516-63.1% | $155,534-56.5% | $145,884-53.6% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 12.43% | 61.43%-49.0pp | 64.92%-52.5pp | 551.85%-539.4pp |
| Employer contribution / active EE | $2,917 | $5,315-45.1% | $4,675-37.6% | $4,662-37.4% |
| Participant deferral / active EE | $5,972 | $6,467-7.6% | $5,630+6.1% | $6,690-10.7% |
| Admin fee / account holder | $506 | $19,293-97.4% | $15,900-96.8% | $13,392-96.2% |