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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 | $103,057 | $210,510-51.0% | $153,500-32.9% | $145,877-29.4% |
| Participation rate | 54.5% | 82.1%-27.6pp | 77.1%-22.6pp | 80.3%-25.8pp |
| Annual return | 10.73% | 13.45%-2.7pp | 15.70%-5.0pp | 551.28%-540.6pp |
| Employer contribution / active EE | $4,565 | $6,052-24.6% | $5,039-9.4% | $4,663-2.1% |
| Participant deferral / active EE | $7,373 | $7,974-7.5% | $6,756+9.1% | $6,691+10.2% |
| Admin fee / account holder | $16,822 | $19,455-13.5% | $12,736+32.1% | $13,402+25.5% |