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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 | $39,356 | $185,312-78.8% | $161,489-75.6% | $154,746-74.6% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 18.58% | 103.84%-85.3pp | 89.72%-71.1pp | 172.34%-153.8pp |
| Employer contribution / active EE | $6,592 | $4,769+38.2% | $4,268+54.4% | $4,379+50.5% |
| Participant deferral / active EE | $19,964 | $6,350+214.4% | $5,630+254.6% | $6,730+196.6% |
| Admin fee / account holder | $1,067 | $18,654-94.3% | $16,006-93.3% | $14,365-92.6% |