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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 | $107,433 | $183,627-41.5% | $155,602-31.0% | $145,978-26.4% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 17.01% | 61.32%-44.3pp | 64.81%-47.8pp | 550.52%-533.5pp |
| Employer contribution / active EE | $1,535 | $5,316-71.1% | $4,675-67.2% | $4,662-67.1% |
| Participant deferral / active EE | $4,366 | $6,466-32.5% | $5,629-22.4% | $6,690-34.7% |
| Admin fee / account holder | $570 | $19,327-97.0% | $15,923-96.4% | $13,400-95.7% |