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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 | $80,926 | $154,228-47.5% | $145,433-44.4% | $137,256-41.0% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | 16.72% | 74.59%-57.9pp | 66.58%-49.9pp | 220.34%-203.6pp |
| Employer contribution / active EE | $2,198 | $4,804-54.2% | $4,554-51.7% | $4,156-47.1% |
| Participant deferral / active EE | $7,776 | $8,216-5.4% | $7,897-1.5% | $6,407+21.4% |
| Admin fee / account holder | $8,332 | $14,344-41.9% | $13,129-36.5% | $12,270-32.1% |