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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 | $84,597 | $165,399-48.9% | $149,745-43.5% | $158,982-46.8% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 19.43% | 348.34%-328.9pp | 276.72%-257.3pp | 302.99%-283.6pp |
| Employer contribution / active EE | $2,258 | $5,105-55.8% | $4,646-51.4% | $4,763-52.6% |
| Participant deferral / active EE | $7,243 | $7,183+0.8% | $6,843+5.9% | $5,983+21.1% |
| Admin fee / account holder | $899 | $10,811-91.7% | $9,312-90.3% | $11,252-92.0% |