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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 | $97,062 | $156,398-37.9% | $147,318-34.1% | $138,895-30.1% |
| Participation rate | 60.0% | 83.8%-23.8pp | 82.1%-22.1pp | 79.9%-19.9pp |
| Annual return | 23.99% | 78.75%-54.8pp | 70.43%-46.4pp | 145.39%-121.4pp |
| Employer contribution / active EE | $4,386 | $4,853-9.6% | $4,593-4.5% | $4,194+4.6% |
| Participant deferral / active EE | $9,098 | $8,237+10.5% | $7,906+15.1% | $6,396+42.2% |
| Admin fee / account holder | $975 | $14,976-93.5% | $13,708-92.9% | $12,562-92.2% |