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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 | $30,149 | $106,247-71.6% | $96,515-68.8% | $139,466-78.4% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 33.31% | 38.47%-5.2pp | 35.73%-2.4pp | 373.66%-340.4pp |
| Employer contribution / active EE | $4,298 | $4,106+4.7% | $3,740+14.9% | $4,754-9.6% |
| Participant deferral / active EE | $6,398 | $5,456+17.3% | $4,880+31.1% | $6,712-4.7% |
| Admin fee / account holder | $1,719 | $7,885-78.2% | $6,735-74.5% | $11,409-84.9% |