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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 | $192,727 | $176,786+9.0% | $146,643+31.4% | $167,536+15.0% |
| Participation rate | 66.7% | 83.6%-17.0pp | 80.1%-13.4pp | 82.1%-15.4pp |
| Annual return | 17.34% | 24.04%-6.7pp | 22.75%-5.4pp | 478.82%-461.5pp |
| Employer contribution / active EE | $2,644 | $5,161-48.8% | $4,137-36.1% | $4,839-45.4% |
| Participant deferral / active EE | $7,612 | $6,440+18.2% | $5,506+38.2% | $6,342+20.0% |
| Admin fee / account holder | $443 | $13,262-96.7% | $10,280-95.7% | $12,315-96.4% |