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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 | $181,062-36.3% | $158,223-27.1% | $155,188-25.7% |
| Participation rate | 62.5% | 82.7%-20.2pp | 79.2%-16.7pp | 80.8%-18.3pp |
| Annual return | 17.12% | 57.39%-40.3pp | 52.09%-35.0pp | 148.84%-131.7pp |
| Employer contribution / active EE | $3,715 | $4,565-18.6% | $4,109-9.6% | $4,248-12.5% |
| Participant deferral / active EE | $4,903 | $6,134-20.1% | $5,467-10.3% | $6,531-24.9% |
| Admin fee / account holder | $6,418 | $18,825-65.9% | $16,047-60.0% | $14,480-55.7% |