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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 | $110,567 | $185,905-40.5% | $170,057-35.0% | $139,487-20.7% |
| Participation rate | 60.0% | 87.8%-27.8pp | 87.0%-27.0pp | 80.3%-20.3pp |
| Annual return | 13.71% | 60.56%-46.9pp | 53.42%-39.7pp | 373.84%-360.1pp |
| Employer contribution / active EE | $11,750 | $7,597+54.7% | $6,790+73.0% | $4,755+147.1% |
| Participant deferral / active EE | $4,429 | $11,627-61.9% | $10,411-57.5% | $6,713-34.0% |
| Admin fee / account holder | $1,017 | $15,397-93.4% | $12,826-92.1% | $11,407-91.1% |