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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 | $66,395 | $162,136-59.0% | $152,301-56.4% | $154,746-57.1% |
| Participation rate | 66.7% | 84.1%-17.4pp | 82.4%-15.8pp | 80.7%-14.0pp |
| Annual return | 21.41% | 91.02%-69.6pp | 80.50%-59.1pp | 172.34%-150.9pp |
| Employer contribution / active EE | $8,333 | $4,890+70.4% | $4,624+80.2% | $4,379+90.3% |
| Participant deferral / active EE | $2,710 | $8,341-67.5% | $8,004-66.1% | $6,730-59.7% |
| Admin fee / account holder | $1,367 | $15,759-91.3% | $14,398-90.5% | $14,365-90.5% |