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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 | $76,462 | $96,731-21.0% | $123,973-38.3% | $86,983-12.1% |
| Participation rate | 57.5% | 70.0%-12.5pp | 76.7%-19.2pp | 69.5%-12.0pp |
| Annual return | 20.03% | 17.33%+2.7pp | 388.13%-368.1pp | 25.83%-5.8pp |
| Employer contribution / active EE | $6,388 | $3,297+93.7% | $4,126+54.8% | $2,584+147.2% |
| Participant deferral / active EE | $2,080 | $4,152-49.9% | $5,247-60.4% | $4,194-50.4% |
| Admin fee / account holder | $799 | $8,722-90.8% | $11,799-93.2% | $7,856-89.8% |