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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 | $76,895 | $108,912-29.4% | $100,383-23.4% | $145,959-47.3% |
| Participation rate | 66.7% | 83.0%-16.3pp | 81.5%-14.8pp | 80.3%-13.6pp |
| Annual return | 13.25% | 57.96%-44.7pp | 49.26%-36.0pp | 561.95%-548.7pp |
| Employer contribution / active EE | $3,172 | $4,423-28.3% | $3,944-19.6% | $4,661-31.9% |
| Participant deferral / active EE | $6,859 | $8,451-18.8% | $8,086-15.2% | $6,689+2.6% |
| Admin fee / account holder | $4,206 | $9,690-56.6% | $7,900-46.8% | $13,398-68.6% |