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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 | $68,812 | $111,535-38.3% | $105,223-34.6% | $137,256-49.9% |
| Participation rate | 69.2% | 78.1%-8.9pp | 75.0%-5.8pp | 80.0%-10.7pp |
| Annual return | 14.38% | 237.85%-223.5pp | 180.65%-166.3pp | 220.34%-206.0pp |
| Employer contribution / active EE | $7,858 | $3,939+99.5% | $3,689+113.0% | $4,156+89.1% |
| Participant deferral / active EE | $2,645 | $5,500-51.9% | $5,072-47.8% | $6,407-58.7% |
| Admin fee / account holder | $2,116 | $9,721-78.2% | $8,859-76.1% | $12,270-82.8% |