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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 | $120,040 | $209,336-42.7% | $197,124-39.1% | $137,256-12.5% |
| Participation rate | 68.2% | 87.3%-19.1pp | 86.7%-18.5pp | 80.0%-11.8pp |
| Annual return | 14.31% | 48.09%-33.8pp | 44.34%-30.0pp | 220.34%-206.0pp |
| Employer contribution / active EE | $2,667 | $6,591-59.5% | $6,227-57.2% | $4,156-35.8% |
| Participant deferral / active EE | $5,663 | $9,614-41.1% | $9,135-38.0% | $6,407-11.6% |
| Admin fee / account holder | $14,883 | $17,308-14.0% | $16,298-8.7% | $12,270+21.3% |