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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 | $108,018 | $183,592-41.2% | $155,574-30.6% | $145,877-26.0% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 10.21% | 61.37%-51.2pp | 64.87%-54.7pp | 551.28%-541.1pp |
| Employer contribution / active EE | $2,853 | $5,317-46.3% | $4,676-39.0% | $4,663-38.8% |
| Participant deferral / active EE | $7,096 | $6,466+9.7% | $5,629+26.0% | $6,691+6.1% |
| Admin fee / account holder | $3,518 | $19,316-81.8% | $15,914-77.9% | $13,402-73.8% |