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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 | $91,840 | $183,592-50.0% | $155,574-41.0% | $145,877-37.0% |
| Participation rate | 69.6% | 82.7%-13.1pp | 78.2%-8.6pp | 80.3%-10.7pp |
| Annual return | 17.51% | 61.37%-43.9pp | 64.87%-47.4pp | 551.28%-533.8pp |
| Employer contribution / active EE | $6,811 | $5,317+28.1% | $4,676+45.7% | $4,663+46.1% |
| Participant deferral / active EE | $9,445 | $6,466+46.1% | $5,629+67.8% | $6,691+41.2% |
| Admin fee / account holder | $577 | $19,316-97.0% | $15,914-96.4% | $13,402-95.7% |