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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 | $68,684 | $80,674-14.9% | $119,126-42.3% | $64,340+6.8% |
| Participation rate | 49.2% | 55.2%-6.1pp | 75.8%-26.6pp | 55.2%-6.1pp |
| Annual return | 14.37% | 26.86%-12.5pp | 282.11%-267.7pp | 24.14%-9.8pp |
| Employer contribution / active EE | $2,355 | $2,564-8.2% | $4,034-41.6% | $1,862+26.5% |
| Participant deferral / active EE | $5,236 | $3,053+71.5% | $5,318-1.5% | $2,980+75.7% |
| Admin fee / account holder | $10,881 | $4,559+138.7% | $10,693+1.8% | $3,703+193.9% |