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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 | $117,734 | $217,432-45.9% | $185,849-36.7% | $167,536-29.7% |
| Participation rate | 68.8% | 86.1%-17.3pp | 81.7%-13.0pp | 82.1%-13.4pp |
| Annual return | 12.38% | 148.42%-136.0pp | 122.10%-109.7pp | 478.82%-466.4pp |
| Employer contribution / active EE | $2,873 | $5,875-51.1% | $5,169-44.4% | $4,839-40.6% |
| Participant deferral / active EE | $4,845 | $6,357-23.8% | $5,569-13.0% | $6,342-23.6% |
| Admin fee / account holder | $842 | $19,818-95.8% | $16,244-94.8% | $12,315-93.2% |