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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 | $153,069 | $209,336-26.9% | $197,124-22.3% | $137,256+11.5% |
| Participation rate | 62.5% | 87.3%-24.8pp | 86.7%-24.2pp | 80.0%-17.5pp |
| Annual return | 14.99% | 48.09%-33.1pp | 44.34%-29.4pp | 220.34%-205.3pp |
| Employer contribution / active EE | $0 | $6,591-100.0% | $6,227-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $18,578 | $9,614+93.2% | $9,135+103.4% | $6,407+190.0% |
| Admin fee / account holder | $12,659 | $17,308-26.9% | $16,298-22.3% | $12,270+3.2% |