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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 | $127,131 | $227,399-44.1% | $189,758-33.0% | $198,609-36.0% |
| Participation rate | 60.0% | 84.0%-24.0pp | 79.8%-19.8pp | 82.4%-22.4pp |
| Annual return | 14.17% | 61.03%-46.9pp | 52.62%-38.4pp | 202.70%-188.5pp |
| Employer contribution / active EE | $3,297 | $5,526-40.3% | $4,767-30.8% | $5,055-34.8% |
| Participant deferral / active EE | $6,728 | $6,837-1.6% | $5,856+14.9% | $6,977-3.6% |
| Admin fee / account holder | $1,631 | $25,162-93.5% | $20,388-92.0% | $19,030-91.4% |