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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 | $84,351 | $183,592-54.1% | $155,574-45.8% | $145,877-42.2% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 12.89% | 61.37%-48.5pp | 64.87%-52.0pp | 551.28%-538.4pp |
| Employer contribution / active EE | $2,830 | $5,317-46.8% | $4,676-39.5% | $4,663-39.3% |
| Participant deferral / active EE | $9,476 | $6,466+46.6% | $5,629+68.3% | $6,691+41.6% |
| Admin fee / account holder | $674 | $19,316-96.5% | $15,914-95.8% | $13,402-95.0% |