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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 | $67,707 | $112,915-40.0% | $90,965-25.6% | $158,950-57.4% |
| Participation rate | 61.5% | 74.7%-13.2pp | 69.0%-7.5pp | 82.0%-20.4pp |
| Annual return | 24.93% | 215.75%-190.8pp | 134.57%-109.6pp | 302.91%-278.0pp |
| Employer contribution / active EE | $2,176 | $2,894-24.8% | $2,122+2.5% | $4,762-54.3% |
| Participant deferral / active EE | $5,823 | $4,128+41.1% | $3,373+72.6% | $5,983-2.7% |
| Admin fee / account holder | $6,384 | $8,044-20.6% | $5,960+7.1% | $11,248-43.2% |