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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 | $110,673 | $129,737-14.7% | $119,126-7.1% | $154,746-28.5% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 19.27% | 379.08%-359.8pp | 282.11%-262.8pp | 172.34%-153.1pp |
| Employer contribution / active EE | $5,810 | $4,375+32.8% | $4,034+44.0% | $4,379+32.7% |
| Participant deferral / active EE | $15,811 | $5,842+170.7% | $5,318+197.3% | $6,730+134.9% |
| Admin fee / account holder | $16,098 | $11,961+34.6% | $10,693+50.5% | $14,365+12.1% |