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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 | $115,669 | $129,737-10.8% | $119,126-2.9% | $154,746-25.3% |
| Participation rate | 30.0% | 78.9%-48.9pp | 75.8%-45.8pp | 80.7%-50.7pp |
| Annual return | 22.21% | 379.08%-356.9pp | 282.11%-259.9pp | 172.34%-150.1pp |
| Employer contribution / active EE | $970 | $4,375-77.8% | $4,034-76.0% | $4,379-77.9% |
| Participant deferral / active EE | $6,845 | $5,842+17.2% | $5,318+28.7% | $6,730+1.7% |
| Admin fee / account holder | $589 | $11,961-95.1% | $10,693-94.5% | $14,365-95.9% |