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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 | $162,136-50.1% | $152,301-46.9% | $154,746-47.7% |
| Participation rate | 66.7% | 84.1%-17.4pp | 82.4%-15.8pp | 80.7%-14.0pp |
| Annual return | 16.72% | 91.02%-74.3pp | 80.50%-63.8pp | 172.34%-155.6pp |
| Employer contribution / active EE | $2,198 | $4,890-55.1% | $4,624-52.5% | $4,379-49.8% |
| Participant deferral / active EE | $7,776 | $8,341-6.8% | $8,004-2.8% | $6,730+15.5% |
| Admin fee / account holder | $8,332 | $15,759-47.1% | $14,398-42.1% | $14,365-42.0% |