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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 | $87,539 | $129,737-32.5% | $119,126-26.5% | $154,746-43.4% |
| Participation rate | 47.6% | 78.9%-31.2pp | 75.8%-28.1pp | 80.7%-33.1pp |
| Annual return | 16.80% | 379.08%-362.3pp | 282.11%-265.3pp | 172.34%-155.5pp |
| Employer contribution / active EE | $15,025 | $4,375+243.4% | $4,034+272.5% | $4,379+243.1% |
| Participant deferral / active EE | $3,466 | $5,842-40.7% | $5,318-34.8% | $6,730-48.5% |
| Admin fee / account holder | $3,257 | $11,961-72.8% | $10,693-69.5% | $14,365-77.3% |