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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 | $70,562 | $172,111-59.0% | $150,298-53.1% | $137,256-48.6% |
| Participation rate | 56.3% | 81.7%-25.5pp | 77.8%-21.5pp | 80.0%-23.7pp |
| Annual return | 11.72% | 69.37%-57.7pp | 62.79%-51.1pp | 220.34%-208.6pp |
| Employer contribution / active EE | $7,358 | $4,636+58.7% | $4,154+77.1% | $4,156+77.0% |
| Participant deferral / active EE | $4,816 | $6,166-21.9% | $5,453-11.7% | $6,407-24.8% |
| Admin fee / account holder | $5,099 | $16,471-69.0% | $14,116-63.9% | $12,270-58.4% |