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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 | $120,775 | $178,174-32.2% | $156,181-22.7% | $137,256-12.0% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.8%-15.2pp | 80.0%-16.3pp |
| Annual return | 13.13% | 84.19%-71.1pp | 64.87%-51.7pp | 220.34%-207.2pp |
| Employer contribution / active EE | $2,287 | $4,972-54.0% | $4,294-46.7% | $4,156-45.0% |
| Participant deferral / active EE | $4,772 | $6,888-30.7% | $6,132-22.2% | $6,407-25.5% |
| Admin fee / account holder | $15,704 | $17,404-9.8% | $14,586+7.7% | $12,270+28.0% |