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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 | $156,278 | $95,406+63.8% | $185,849-15.9% | $85,847+82.0% |
| Participation rate | 36.2% | 68.8%-32.6pp | 81.7%-45.5pp | 69.3%-33.1pp |
| Annual return | 15.93% | 23.59%-7.7pp | 122.10%-106.2pp | 318.61%-302.7pp |
| Employer contribution / active EE | $1,156 | $3,314-65.1% | $5,169-77.6% | $2,565-54.9% |
| Participant deferral / active EE | $1,789 | $3,424-47.7% | $5,569-67.9% | $3,952-54.7% |
| Admin fee / account holder | $5,721 | $7,214-20.7% | $16,244-64.8% | $6,261-8.6% |