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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 | $155,555-57.3% | $146,866-54.8% | $155,188-57.2% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.5%-15.8pp | 80.8%-14.1pp |
| Annual return | 21.41% | 115.41%-94.0pp | 102.85%-81.4pp | 148.84%-127.4pp |
| Employer contribution / active EE | $8,333 | $4,647+79.3% | $4,425+88.3% | $4,248+96.2% |
| Participant deferral / active EE | $2,710 | $8,044-66.3% | $7,759-65.1% | $6,531-58.5% |
| Admin fee / account holder | $1,367 | $14,755-90.7% | $13,620-90.0% | $14,480-90.6% |