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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 | $89,678 | $111,535-19.6% | $105,223-14.8% | $137,256-34.7% |
| Participation rate | 62.5% | 78.1%-15.6pp | 75.0%-12.5pp | 80.0%-17.5pp |
| Annual return | 16.42% | 237.85%-221.4pp | 180.65%-164.2pp | 220.34%-203.9pp |
| Employer contribution / active EE | $2,733 | $3,939-30.6% | $3,689-25.9% | $4,156-34.2% |
| Participant deferral / active EE | $8,441 | $5,500+53.5% | $5,072+66.4% | $6,407+31.8% |
| Admin fee / account holder | $4,856 | $9,721-50.0% | $8,859-45.2% | $12,270-60.4% |