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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 | $115,339 | $185,312-37.8% | $161,489-28.6% | $154,746-25.5% |
| Participation rate | 62.5% | 82.5%-20.0pp | 78.7%-16.2pp | 80.7%-18.2pp |
| Annual return | 17.12% | 103.84%-86.7pp | 89.72%-72.6pp | 172.34%-155.2pp |
| Employer contribution / active EE | $3,715 | $4,769-22.1% | $4,268-13.0% | $4,379-15.2% |
| Participant deferral / active EE | $4,903 | $6,350-22.8% | $5,630-12.9% | $6,730-27.2% |
| Admin fee / account holder | $6,418 | $18,654-65.6% | $16,006-59.9% | $14,365-55.3% |