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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 | $64,171 | $183,627-65.1% | $155,602-58.8% | $145,978-56.0% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 12.64% | 61.32%-48.7pp | 64.81%-52.2pp | 550.52%-537.9pp |
| Employer contribution / active EE | $9,502 | $5,316+78.7% | $4,675+103.2% | $4,662+103.8% |
| Participant deferral / active EE | $6,925 | $6,466+7.1% | $5,629+23.0% | $6,690+3.5% |
| Admin fee / account holder | $1,843 | $19,327-90.5% | $15,923-88.4% | $13,400-86.2% |