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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 | $76,995 | $183,592-58.1% | $155,574-50.5% | $145,877-47.2% |
| Participation rate | 69.2% | 82.7%-13.5pp | 78.2%-9.0pp | 80.3%-11.1pp |
| Annual return | 11.21% | 61.37%-50.2pp | 64.87%-53.7pp | 551.28%-540.1pp |
| Employer contribution / active EE | $2,044 | $5,317-61.6% | $4,676-56.3% | $4,663-56.2% |
| Participant deferral / active EE | $6,979 | $6,466+7.9% | $5,629+24.0% | $6,691+4.3% |
| Admin fee / account holder | $603 | $19,316-96.9% | $15,914-96.2% | $13,402-95.5% |