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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 | $68,202 | $154,228-55.8% | $145,433-53.1% | $137,256-50.3% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | 13.35% | 74.59%-61.2pp | 66.58%-53.2pp | 220.34%-207.0pp |
| Employer contribution / active EE | $2,888 | $4,804-39.9% | $4,554-36.6% | $4,156-30.5% |
| Participant deferral / active EE | $10,890 | $8,216+32.5% | $7,897+37.9% | $6,407+70.0% |
| Admin fee / account holder | $40,904 | $14,344+185.2% | $13,129+211.6% | $12,270+233.4% |