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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 | $50,861 | $129,737-60.8% | $119,126-57.3% | $154,746-67.1% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 16.12% | 379.08%-363.0pp | 282.11%-266.0pp | 172.34%-156.2pp |
| Employer contribution / active EE | $1,928 | $4,375-55.9% | $4,034-52.2% | $4,379-56.0% |
| Participant deferral / active EE | $7,999 | $5,842+36.9% | $5,318+50.4% | $6,730+18.9% |
| Admin fee / account holder | $561 | $11,961-95.3% | $10,693-94.8% | $14,365-96.1% |