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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 | $68,468 | $111,535-38.6% | $105,223-34.9% | $137,256-50.1% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 17.16% | 237.85%-220.7pp | 180.65%-163.5pp | 220.34%-203.2pp |
| Employer contribution / active EE | $3,096 | $3,939-21.4% | $3,689-16.1% | $4,156-25.5% |
| Participant deferral / active EE | $8,980 | $5,500+63.3% | $5,072+77.1% | $6,407+40.2% |
| Admin fee / account holder | $7,706 | $9,721-20.7% | $8,859-13.0% | $12,270-37.2% |