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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 | $121,044 | $183,592-34.1% | $155,574-22.2% | $145,877-17.0% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 21.19% | 61.37%-40.2pp | 64.87%-43.7pp | 551.28%-530.1pp |
| Employer contribution / active EE | $2,907 | $5,317-45.3% | $4,676-37.8% | $4,663-37.7% |
| Participant deferral / active EE | $5,560 | $6,466-14.0% | $5,629-1.2% | $6,691-16.9% |
| Admin fee / account holder | $5,397 | $19,316-72.1% | $15,914-66.1% | $13,402-59.7% |