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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 | $102,483 | $156,398-34.5% | $147,318-30.4% | $138,895-26.2% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.1%-32.1pp | 79.9%-29.9pp |
| Annual return | 18.92% | 78.75%-59.8pp | 70.43%-51.5pp | 145.39%-126.5pp |
| Employer contribution / active EE | $4,591 | $4,853-5.4% | $4,5930% | $4,194+9.5% |
| Participant deferral / active EE | $3,695 | $8,237-55.1% | $7,906-53.3% | $6,396-42.2% |
| Admin fee / account holder | $3,364 | $14,976-77.5% | $13,708-75.5% | $12,562-73.2% |