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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 | $81,737 | $114,119-28.4% | $107,187-23.7% | $138,895-41.2% |
| Participation rate | 57.1% | 78.1%-20.9pp | 75.0%-17.9pp | 79.9%-22.8pp |
| Annual return | 21.70% | 273.21%-251.5pp | 204.55%-182.8pp | 145.39%-123.7pp |
| Employer contribution / active EE | $6,721 | $4,059+65.6% | $3,782+77.7% | $4,194+60.2% |
| Participant deferral / active EE | $3,837 | $5,538-30.7% | $5,096-24.7% | $6,396-40.0% |
| Admin fee / account holder | $5,704 | $10,024-43.1% | $9,162-37.7% | $12,562-54.6% |