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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 | $132,530 | $165,361-19.9% | $149,715-11.5% | $158,950-16.6% |
| Participation rate | 60.0% | 84.6%-24.6pp | 82.5%-22.5pp | 82.0%-22.0pp |
| Annual return | 8.66% | 348.24%-339.6pp | 276.66%-268.0pp | 302.91%-294.3pp |
| Employer contribution / active EE | $910 | $5,103-82.2% | $4,645-80.4% | $4,762-80.9% |
| Participant deferral / active EE | $5,320 | $7,182-25.9% | $6,842-22.2% | $5,983-11.1% |
| Admin fee / account holder | $10,930 | $10,808+1.1% | $9,310+17.4% | $11,248-2.8% |