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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 | $86,318 | $176,838-51.2% | $146,685-41.2% | $167,518-48.5% |
| Participation rate | 50.0% | 83.6%-33.6pp | 80.1%-30.1pp | 82.1%-32.1pp |
| Annual return | 32.77% | 24.04%+8.7pp | 22.75%+10.0pp | 478.71%-445.9pp |
| Employer contribution / active EE | $5,800 | $5,161+12.4% | $4,137+40.2% | $4,838+19.9% |
| Participant deferral / active EE | $9,750 | $6,441+51.4% | $5,507+77.1% | $6,342+53.7% |
| Admin fee / account holder | $326 | $13,262-97.5% | $10,281-96.8% | $12,312-97.4% |