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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 | $89,589 | $115,814-22.6% | $101,275-11.5% | $158,982-43.6% |
| Participation rate | 62.5% | 79.4%-16.9pp | 75.8%-13.3pp | 82.0%-19.5pp |
| Annual return | 19.36% | 56.16%-36.8pp | 46.48%-27.1pp | 302.99%-283.6pp |
| Employer contribution / active EE | $3,306 | $4,176-20.8% | $3,660-9.7% | $4,763-30.6% |
| Participant deferral / active EE | $9,140 | $4,958+84.3% | $4,371+109.1% | $5,983+52.7% |
| Admin fee / account holder | $671 | $7,249-90.7% | $5,948-88.7% | $11,252-94.0% |