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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 | $111,733 | $165,361-32.4% | $149,715-25.4% | $158,950-29.7% |
| Participation rate | 63.6% | 84.6%-20.9pp | 82.5%-18.8pp | 82.0%-18.3pp |
| Annual return | 14.10% | 348.24%-334.1pp | 276.66%-262.6pp | 302.91%-288.8pp |
| Employer contribution / active EE | $3,847 | $5,103-24.6% | $4,645-17.2% | $4,762-19.2% |
| Participant deferral / active EE | $8,473 | $7,182+18.0% | $6,842+23.8% | $5,983+41.6% |
| Admin fee / account holder | $2,600 | $10,808-75.9% | $9,310-72.1% | $11,248-76.9% |