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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 | $212,386-43.5% | $199,883-39.9% | $138,895-13.6% |
| Participation rate | 68.2% | 87.4%-19.2pp | 86.8%-18.6pp | 79.9%-11.7pp |
| Annual return | 14.31% | 47.75%-33.4pp | 43.81%-29.5pp | 145.39%-131.1pp |
| Employer contribution / active EE | $2,667 | $6,625-59.7% | $6,261-57.4% | $4,194-36.4% |
| Participant deferral / active EE | $5,663 | $9,617-41.1% | $9,138-38.0% | $6,396-11.5% |
| Admin fee / account holder | $14,883 | $18,233-18.4% | $17,268-13.8% | $12,562+18.5% |