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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 | $85,723 | $169,356-49.4% | $129,406-33.8% | $145,897-41.2% |
| Participation rate | 69.2% | 76.5%-7.3pp | 69.6%-0.4pp | 80.3%-11.1pp |
| Annual return | 9.11% | 14418.62%-14409.5pp | 9468.18%-9459.1pp | 552.29%-543.2pp |
| Employer contribution / active EE | $4,848 | $5,542-12.5% | $4,155+16.7% | $4,663+4.0% |
| Participant deferral / active EE | $5,931 | $4,987+18.9% | $4,167+42.3% | $6,689-11.3% |
| Admin fee / account holder | $1,575 | $9,915-84.1% | $7,689-79.5% | $13,390-88.2% |