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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 | $111,163 | $157,829-29.6% | $136,867-18.8% | $198,609-44.0% |
| Participation rate | 69.6% | 77.2%-7.6pp | 74.5%-5.0pp | 82.4%-12.8pp |
| Annual return | 13.60% | 51.25%-37.6pp | 42.97%-29.4pp | 202.70%-189.1pp |
| Employer contribution / active EE | $2,316 | $3,923-41.0% | $3,547-34.7% | $5,055-54.2% |
| Participant deferral / active EE | $3,746 | $5,463-31.4% | $4,924-23.9% | $6,977-46.3% |
| Admin fee / account holder | $13,231 | $11,107+19.1% | $10,340+28.0% | $19,030-30.5% |