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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 | $101,606 | $209,336-51.5% | $197,124-48.5% | $137,256-26.0% |
| Participation rate | 50.0% | 87.3%-37.3pp | 86.7%-36.7pp | 80.0%-30.0pp |
| Annual return | 13.38% | 48.09%-34.7pp | 44.34%-31.0pp | 220.34%-207.0pp |
| Employer contribution / active EE | $3,592 | $6,591-45.5% | $6,227-42.3% | $4,156-13.6% |
| Participant deferral / active EE | $4,115 | $9,614-57.2% | $9,135-55.0% | $6,407-35.8% |
| Admin fee / account holder | $170,585 | $17,308+885.6% | $16,298+946.7% | $12,270+1290.2% |