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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 | $79,447 | $110,410-28.0% | $102,437-22.4% | $145,897-45.5% |
| Participation rate | 62.5% | 77.9%-15.4pp | 74.5%-12.0pp | 80.3%-17.8pp |
| Annual return | 14.79% | 24.85%-10.1pp | 24.95%-10.2pp | 552.29%-537.5pp |
| Employer contribution / active EE | $7,982 | $4,217+89.3% | $3,871+106.2% | $4,663+71.2% |
| Participant deferral / active EE | $8,925 | $5,622+58.8% | $5,060+76.4% | $6,689+33.4% |
| Admin fee / account holder | $5,742 | $9,745-41.1% | $8,388-31.5% | $13,390-57.1% |