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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 | $110,461 | $156,398-29.4% | $147,318-25.0% | $138,895-20.5% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.4pp | 79.9%-13.3pp |
| Annual return | 16.64% | 78.75%-62.1pp | 70.43%-53.8pp | 145.39%-128.8pp |
| Employer contribution / active EE | $1,909 | $4,853-60.7% | $4,593-58.4% | $4,194-54.5% |
| Participant deferral / active EE | $2,991 | $8,237-63.7% | $7,906-62.2% | $6,396-53.2% |
| Admin fee / account holder | $6,020 | $14,976-59.8% | $13,708-56.1% | $12,562-52.1% |