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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 | $67,249 | $152,619-55.9% | $125,195-46.3% | $152,909-56.0% |
| Participation rate | 60.0% | 83.3%-23.3pp | 79.8%-19.8pp | 82.5%-22.5pp |
| Annual return | 21.90% | 54.85%-32.9pp | 43.79%-21.9pp | 345.46%-323.6pp |
| Employer contribution / active EE | $5,505 | $4,947+11.3% | $3,866+42.4% | $4,764+15.6% |
| Participant deferral / active EE | $2,103 | $5,869-64.2% | $4,937-57.4% | $5,851-64.1% |
| Admin fee / account holder | $763 | $13,437-94.3% | $9,704-92.1% | $11,601-93.4% |