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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 | $115,255 | $226,090-49.0% | $182,531-36.9% | $152,885-24.6% |
| Participation rate | 62.5% | 82.5%-20.0pp | 78.0%-15.5pp | 82.5%-20.0pp |
| Annual return | 19.88% | 192.57%-172.7pp | 148.57%-128.7pp | 345.39%-325.5pp |
| Employer contribution / active EE | $1,172 | $4,978-76.5% | $4,075-71.3% | $4,763-75.4% |
| Participant deferral / active EE | $6,363 | $6,369-0.1% | $5,525+15.2% | $5,851+8.8% |
| Admin fee / account holder | $1,516 | $10,705-85.8% | $8,593-82.4% | $11,598-86.9% |