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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 | $85,994 | $185,883-53.7% | $170,043-49.4% | $139,466-38.3% |
| Participation rate | 66.7% | 87.8%-21.1pp | 87.0%-20.3pp | 80.3%-13.7pp |
| Annual return | 16.53% | 60.54%-44.0pp | 53.40%-36.9pp | 373.66%-357.1pp |
| Employer contribution / active EE | $9,579 | $7,596+26.1% | $6,790+41.1% | $4,754+101.5% |
| Participant deferral / active EE | $10,321 | $11,626-11.2% | $10,410-0.9% | $6,712+53.8% |
| Admin fee / account holder | $9,148 | $15,393-40.6% | $12,824-28.7% | $11,409-19.8% |