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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 | $85,306 | $111,535-23.5% | $105,223-18.9% | $137,256-37.8% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 22.08% | 237.85%-215.8pp | 180.65%-158.6pp | 220.34%-198.3pp |
| Employer contribution / active EE | $2,867 | $3,939-27.2% | $3,689-22.3% | $4,156-31.0% |
| Participant deferral / active EE | $10,319 | $5,500+87.6% | $5,072+103.5% | $6,407+61.1% |
| Admin fee / account holder | $954 | $9,721-90.2% | $8,859-89.2% | $12,270-92.2% |