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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 | $106,924 | $185,883-42.5% | $170,043-37.1% | $139,466-23.3% |
| Participation rate | 66.7% | 87.8%-21.1pp | 87.0%-20.3pp | 80.3%-13.7pp |
| Annual return | 27.03% | 60.54%-33.5pp | 53.40%-26.4pp | 373.66%-346.6pp |
| Employer contribution / active EE | $3,453 | $7,596-54.5% | $6,790-49.1% | $4,754-27.4% |
| Participant deferral / active EE | $6,617 | $11,626-43.1% | $10,410-36.4% | $6,712-1.4% |
| Admin fee / account holder | $1,495 | $15,393-90.3% | $12,824-88.3% | $11,409-86.9% |