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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 | $85,504 | $181,062-52.8% | $158,223-46.0% | $155,188-44.9% |
| Participation rate | 64.7% | 82.7%-17.9pp | 79.2%-14.5pp | 80.8%-16.1pp |
| Annual return | 21.76% | 57.39%-35.6pp | 52.09%-30.3pp | 148.84%-127.1pp |
| Employer contribution / active EE | $6,142 | $4,565+34.6% | $4,109+49.5% | $4,248+44.6% |
| Participant deferral / active EE | $5,024 | $6,134-18.1% | $5,467-8.1% | $6,531-23.1% |
| Admin fee / account holder | $1,453 | $18,825-92.3% | $16,047-90.9% | $14,480-90.0% |