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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 | $84,269 | $135,956-38.0% | $123,894-32.0% | $273,972-69.2% |
| Participation rate | 33.3% | 84.1%-50.7pp | 81.4%-48.1pp | 83.0%-49.7pp |
| Annual return | 5.36% | 56.63%-51.3pp | 47.52%-42.2pp | 41.46%-36.1pp |
| Employer contribution / active EE | $6,697 | $5,170+29.5% | $4,617+45.1% | $4,869+37.6% |
| Participant deferral / active EE | $5,893 | $6,343-7.1% | $5,984-1.5% | $5,287+11.5% |
| Admin fee / account holder | $10,256 | $9,817+4.5% | $8,357+22.7% | $10,133+1.2% |