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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 | $64,043 | $85,766-25.3% | $136,298-53.0% | $70,126-8.7% |
| Participation rate | 63.0% | 74.2%-11.2pp | 81.9%-19.0pp | 69.5%-6.6pp |
| Annual return | 16.40% | 31.46%-15.1pp | 5156.27%-5139.9pp | 73.15%-56.7pp |
| Employer contribution / active EE | $3,191 | $2,966+7.6% | $4,696-32.0% | $2,343+36.2% |
| Participant deferral / active EE | $5,481 | $5,051+8.5% | $6,247-12.3% | $3,332+64.5% |
| Admin fee / account holder | $9,217 | $5,421+70.0% | $9,244-0.3% | $4,645+98.4% |