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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 | $112,793 | $142,354-20.8% | $125,529-10.1% | $155,188-27.3% |
| Participation rate | 43.8% | 78.1%-34.3pp | 74.7%-31.0pp | 80.8%-37.1pp |
| Annual return | 17.07% | 306.06%-289.0pp | 202.56%-185.5pp | 148.84%-131.8pp |
| Employer contribution / active EE | $1,804 | $3,501-48.5% | $3,058-41.0% | $4,248-57.5% |
| Participant deferral / active EE | $9,282 | $5,491+69.0% | $4,813+92.9% | $6,531+42.1% |
| Admin fee / account holder | $1,459 | $19,392-92.5% | $16,298-91.0% | $14,480-89.9% |