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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 | $108,473 | $227,399-52.3% | $189,758-42.8% | $198,609-45.4% |
| Participation rate | 60.0% | 84.0%-24.0pp | 79.8%-19.8pp | 82.4%-22.4pp |
| Annual return | 16.86% | 61.03%-44.2pp | 52.62%-35.8pp | 202.70%-185.8pp |
| Employer contribution / active EE | $1,560 | $5,526-71.8% | $4,767-67.3% | $5,055-69.1% |
| Participant deferral / active EE | $11,693 | $6,837+71.0% | $5,856+99.7% | $6,977+67.6% |
| Admin fee / account holder | $938 | $25,162-96.3% | $20,388-95.4% | $19,030-95.1% |