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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 | $101,466 | $110,337-8.0% | $102,383-0.9% | $145,877-30.4% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 13.16% | 24.83%-11.7pp | 24.94%-11.8pp | 551.28%-538.1pp |
| Employer contribution / active EE | $25,127 | $4,216+496.0% | $3,870+549.2% | $4,663+438.9% |
| Participant deferral / active EE | $21,217 | $5,621+277.5% | $5,060+319.3% | $6,691+217.1% |
| Admin fee / account holder | $2,911 | $9,750-70.1% | $8,391-65.3% | $13,402-78.3% |