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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 | $61,668 | $134,817-54.3% | $123,973-50.3% | $155,188-60.3% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.7%-10.0pp | 80.8%-14.1pp |
| Annual return | 17.55% | 515.49%-497.9pp | 388.13%-370.6pp | 148.84%-131.3pp |
| Employer contribution / active EE | $4,227 | $4,425-4.5% | $4,126+2.5% | $4,248-0.5% |
| Participant deferral / active EE | $11,889 | $5,706+108.3% | $5,247+126.6% | $6,531+82.0% |
| Admin fee / account holder | $643 | $13,245-95.1% | $11,799-94.5% | $14,480-95.6% |