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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 | $91,517 | $125,778-27.2% | $114,563-20.1% | $154,746-40.9% |
| Participation rate | 68.8% | 75.2%-6.4pp | 72.9%-4.2pp | 80.7%-12.0pp |
| Annual return | 19.42% | 295.14%-275.7pp | 241.09%-221.7pp | 172.34%-152.9pp |
| Employer contribution / active EE | $4,573 | $2,806+63.0% | $2,592+76.4% | $4,379+4.4% |
| Participant deferral / active EE | $8,979 | $4,445+102.0% | $4,142+116.8% | $6,730+33.4% |
| Admin fee / account holder | $2,361 | $8,190-71.2% | $7,623-69.0% | $14,365-83.6% |