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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 | $84,377 | $148,623-43.2% | $135,974-37.9% | $139,466-39.5% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 12.72% | 79.30%-66.6pp | 68.30%-55.6pp | 373.66%-360.9pp |
| Employer contribution / active EE | $10,777 | $5,246+105.4% | $4,859+121.8% | $4,754+126.7% |
| Participant deferral / active EE | $11,797 | $8,103+45.6% | $7,760+52.0% | $6,712+75.8% |
| Admin fee / account holder | $4,689 | $12,406-62.2% | $10,767-56.5% | $11,409-58.9% |