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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 | $127,691 | $183,592-30.4% | $155,574-17.9% | $145,877-12.5% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 12.09% | 61.37%-49.3pp | 64.87%-52.8pp | 551.28%-539.2pp |
| Employer contribution / active EE | $6,851 | $5,317+28.9% | $4,676+46.5% | $4,663+46.9% |
| Participant deferral / active EE | $6,832 | $6,466+5.7% | $5,629+21.4% | $6,691+2.1% |
| Admin fee / account holder | $6,870 | $19,316-64.4% | $15,914-56.8% | $13,402-48.7% |