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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 | $82,552 | $211,239-60.9% | $178,528-53.8% | $145,877-43.4% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 16.83% | 30.22%-13.4pp | 27.11%-10.3pp | 551.28%-534.5pp |
| Employer contribution / active EE | $3,364 | $4,570-26.4% | $3,950-14.9% | $4,663-27.9% |
| Participant deferral / active EE | $11,218 | $6,963+61.1% | $6,278+78.7% | $6,691+67.7% |
| Admin fee / account holder | $12,266 | $12,095+1.4% | $10,419+17.7% | $13,402-8.5% |