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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 | $65,464 | $97,125-32.6% | $86,233-24.1% | $137,256-52.3% |
| Participation rate | 62.5% | 74.2%-11.7pp | 69.0%-6.5pp | 80.0%-17.5pp |
| Annual return | 11.31% | 74.19%-62.9pp | 61.39%-50.1pp | 220.34%-209.0pp |
| Employer contribution / active EE | $10,620 | $2,841+273.8% | $2,504+324.1% | $4,156+155.5% |
| Participant deferral / active EE | $7,711 | $5,180+48.9% | $4,559+69.1% | $6,407+20.4% |
| Admin fee / account holder | $680 | $9,725-93.0% | $8,342-91.9% | $12,270-94.5% |