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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 | $111,535-23.5% | $105,223-18.9% | $137,256-37.8% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 20.00% | 237.85%-217.8pp | 180.65%-160.6pp | 220.34%-200.3pp |
| Employer contribution / active EE | $1,397 | $3,939-64.5% | $3,689-62.1% | $4,156-66.4% |
| Participant deferral / active EE | $5,000 | $5,500-9.1% | $5,072-1.4% | $6,407-22.0% |
| Admin fee / account holder | $13,785 | $9,721+41.8% | $8,859+55.6% | $12,270+12.3% |