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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 | $96,289 | $165,351-41.8% | $149,710-35.7% | $158,931-39.4% |
| Participation rate | 62.5% | 84.6%-22.1pp | 82.5%-20.0pp | 82.0%-19.5pp |
| Annual return | 16.50% | 348.19%-331.7pp | 276.63%-260.1pp | 302.86%-286.4pp |
| Employer contribution / active EE | $1,778 | $5,103-65.2% | $4,645-61.7% | $4,761-62.7% |
| Participant deferral / active EE | $6,967 | $7,181-3.0% | $6,842+1.8% | $5,982+16.5% |
| Admin fee / account holder | $374 | $10,807-96.5% | $9,309-96.0% | $11,247-96.7% |