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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 | $172,111-33.0% | $150,298-23.3% | $137,256-16.0% |
| Participation rate | 62.5% | 81.7%-19.2pp | 77.8%-15.3pp | 80.0%-17.5pp |
| Annual return | 17.12% | 69.37%-52.3pp | 62.79%-45.7pp | 220.34%-203.2pp |
| Employer contribution / active EE | $3,715 | $4,636-19.9% | $4,154-10.6% | $4,156-10.6% |
| Participant deferral / active EE | $4,903 | $6,166-20.5% | $5,453-10.1% | $6,407-23.5% |
| Admin fee / account holder | $6,418 | $16,471-61.0% | $14,116-54.5% | $12,270-47.7% |