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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 | $88,454 | $107,368-17.6% | $92,915-4.8% | $152,909-42.2% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.0%-9.3pp | 82.5%-15.8pp |
| Annual return | 18.27% | 145.64%-127.4pp | 109.45%-91.2pp | 345.46%-327.2pp |
| Employer contribution / active EE | $2,755 | $4,222-34.7% | $3,653-24.6% | $4,764-42.2% |
| Participant deferral / active EE | $7,503 | $4,848+54.8% | $4,238+77.0% | $5,851+28.2% |
| Admin fee / account holder | $3,575 | $7,082-49.5% | $5,796-38.3% | $11,601-69.2% |