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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 | $80,304 | $156,398-48.7% | $147,318-45.5% | $138,895-42.2% |
| Participation rate | 52.9% | 83.8%-30.8pp | 82.1%-29.1pp | 79.9%-27.0pp |
| Annual return | 25.07% | 78.75%-53.7pp | 70.43%-45.4pp | 145.39%-120.3pp |
| Employer contribution / active EE | $0 | $4,853-100.0% | $4,593-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $5,811 | $8,237-29.5% | $7,906-26.5% | $6,396-9.1% |
| Admin fee / account holder | $17,290 | $14,976+15.5% | $13,708+26.1% | $12,562+37.6% |