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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 | $76,641 | $93,345-17.9% | $119,126-35.7% | $87,485-12.4% |
| Participation rate | 61.5% | 68.7%-7.2pp | 75.8%-14.2pp | 68.9%-7.4pp |
| Annual return | 15.87% | 19.08%-3.2pp | 282.11%-266.2pp | 26.06%-10.2pp |
| Employer contribution / active EE | $3,859 | $3,172+21.7% | $4,034-4.3% | $2,596+48.6% |
| Participant deferral / active EE | $6,696 | $4,099+63.4% | $5,318+25.9% | $4,274+56.7% |
| Admin fee / account holder | $7,760 | $8,039-3.5% | $10,693-27.4% | $7,775-0.2% |