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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 | $85,357 | $129,737-34.2% | $119,126-28.3% | $154,746-44.8% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 20.00% | 379.08%-359.1pp | 282.11%-262.1pp | 172.34%-152.3pp |
| Employer contribution / active EE | $1,397 | $4,375-68.1% | $4,034-65.4% | $4,379-68.1% |
| Participant deferral / active EE | $5,000 | $5,842-14.4% | $5,318-6.0% | $6,730-25.7% |
| Admin fee / account holder | $13,785 | $11,961+15.3% | $10,693+28.9% | $14,365-4.0% |