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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 | $104,079 | $183,516-43.3% | $155,534-33.1% | $145,884-28.7% |
| Participation rate | 27.3% | 82.7%-55.4pp | 78.2%-50.9pp | 80.3%-53.0pp |
| Annual return | 9.69% | 61.43%-51.7pp | 64.92%-55.2pp | 551.85%-542.2pp |
| Employer contribution / active EE | $1,892 | $5,315-64.4% | $4,675-59.5% | $4,662-59.4% |
| Participant deferral / active EE | $7,840 | $6,467+21.2% | $5,630+39.2% | $6,690+17.2% |
| Admin fee / account holder | $959 | $19,293-95.0% | $15,900-94.0% | $13,392-92.8% |