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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 | $129,737-52.5% | $119,126-48.2% | $154,746-60.1% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 17.55% | 379.08%-361.5pp | 282.11%-264.6pp | 172.34%-154.8pp |
| Employer contribution / active EE | $4,227 | $4,375-3.4% | $4,034+4.8% | $4,379-3.5% |
| Participant deferral / active EE | $11,889 | $5,842+103.5% | $5,318+123.6% | $6,730+76.6% |
| Admin fee / account holder | $643 | $11,961-94.6% | $10,693-94.0% | $14,365-95.5% |