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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 | $78,850 | $106,864-26.2% | $147,318-46.5% | $82,637-4.6% |
| Participation rate | 69.8% | 75.5%-5.7pp | 82.1%-12.3pp | 68.1%+1.7pp |
| Annual return | 14.99% | 27.49%-12.5pp | 70.43%-55.4pp | 53.51%-38.5pp |
| Employer contribution / active EE | $4,891 | $3,417+43.1% | $4,593+6.5% | $2,552+91.6% |
| Participant deferral / active EE | $5,000 | $6,496-23.0% | $7,906-36.8% | $4,126+21.2% |
| Admin fee / account holder | $24,714 | $8,415+193.7% | $13,708+80.3% | $7,339+236.8% |