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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 | $177,153 | $106,749+66.0% | $145,433+21.8% | $82,448+114.9% |
| Participation rate | 40.7% | 75.6%-34.9pp | 82.1%-41.4pp | 68.1%-27.3pp |
| Annual return | 17.34% | 27.59%-10.3pp | 66.58%-49.2pp | 41.64%-24.3pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $8,150 | $6,519+25.0% | $7,897+3.2% | $4,139+96.9% |
| Admin fee / account holder | $2,432 | $8,390-71.0% | $13,129-81.5% | $7,234-66.4% |