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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 | $99,508 | $110,410-9.9% | $102,437-2.9% | $145,897-31.8% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 10.30% | 24.85%-14.5pp | 24.95%-14.6pp | 552.29%-542.0pp |
| Employer contribution / active EE | $2,977 | $4,217-29.4% | $3,871-23.1% | $4,663-36.1% |
| Participant deferral / active EE | $6,872 | $5,622+22.2% | $5,060+35.8% | $6,689+2.7% |
| Admin fee / account holder | $2,290 | $9,745-76.5% | $8,388-72.7% | $13,390-82.9% |