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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 | $40,571 | $108,897-62.7% | $100,378-59.6% | $145,877-72.2% |
| Participation rate | 64.3% | 83.0%-18.7pp | 81.5%-17.2pp | 80.3%-16.0pp |
| Annual return | 14.78% | 58.17%-43.4pp | 49.41%-34.6pp | 551.28%-536.5pp |
| Employer contribution / active EE | $3,384 | $4,420-23.4% | $3,942-14.2% | $4,663-27.4% |
| Participant deferral / active EE | $8,063 | $8,455-4.6% | $8,087-0.3% | $6,691+20.5% |
| Admin fee / account holder | $4,403 | $9,690-54.6% | $7,899-44.3% | $13,402-67.1% |