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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 | $119,885 | $178,174-32.7% | $156,181-23.2% | $137,256-12.7% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.8%-15.2pp | 80.0%-16.3pp |
| Annual return | 20.11% | 84.19%-64.1pp | 64.87%-44.8pp | 220.34%-200.2pp |
| Employer contribution / active EE | $9,236 | $4,972+85.8% | $4,294+115.1% | $4,156+122.2% |
| Participant deferral / active EE | $4,176 | $6,888-39.4% | $6,132-31.9% | $6,407-34.8% |
| Admin fee / account holder | $721 | $17,404-95.9% | $14,586-95.1% | $12,270-94.1% |