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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 | $99,028 | $157,296-37.0% | $141,191-29.9% | $152,897-35.2% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 23.74% | 64.34%-40.6pp | 71.41%-47.7pp | 345.43%-321.7pp |
| Employer contribution / active EE | $4,267 | $5,262-18.9% | $4,736-9.9% | $4,764-10.4% |
| Participant deferral / active EE | $8,556 | $7,111+20.3% | $6,710+27.5% | $5,851+46.2% |
| Admin fee / account holder | $11,195 | $12,125-7.7% | $10,264+9.1% | $11,599-3.5% |