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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 | $94,512 | $127,386-25.8% | $115,037-17.8% | $125,388-24.6% |
| Participation rate | 50.0% | 84.2%-34.2pp | 81.4%-31.4pp | 83.2%-33.2pp |
| Annual return | 38.38% | 31.28%+7.1pp | 26.14%+12.2pp | 282.24%-243.9pp |
| Employer contribution / active EE | $0 | $5,166-100.0% | $4,608-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $4,396 | $6,423-31.6% | $6,026-27.1% | $5,352-17.9% |
| Admin fee / account holder | $1,303 | $9,516-86.3% | $8,175-84.1% | $9,541-86.3% |