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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 | $125,903 | $172,111-26.8% | $150,298-16.2% | $137,256-8.3% |
| Participation rate | 56.5% | 81.7%-25.2pp | 77.8%-21.2pp | 80.0%-23.4pp |
| Annual return | 13.29% | 69.37%-56.1pp | 62.79%-49.5pp | 220.34%-207.1pp |
| Employer contribution / active EE | $2,261 | $4,636-51.2% | $4,154-45.6% | $4,156-45.6% |
| Participant deferral / active EE | $5,068 | $6,166-17.8% | $5,453-7.1% | $6,407-20.9% |
| Admin fee / account holder | $18,200 | $16,471+10.5% | $14,116+28.9% | $12,270+48.3% |