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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 | $81,234 | $156,398-48.1% | $147,318-44.9% | $138,895-41.5% |
| Participation rate | 60.0% | 83.8%-23.8pp | 82.1%-22.1pp | 79.9%-19.9pp |
| Annual return | 13.80% | 78.75%-65.0pp | 70.43%-56.6pp | 145.39%-131.6pp |
| Employer contribution / active EE | $2,424 | $4,853-50.1% | $4,593-47.2% | $4,194-42.2% |
| Participant deferral / active EE | $10,729 | $8,237+30.2% | $7,906+35.7% | $6,396+67.7% |
| Admin fee / account holder | $27,546 | $14,976+83.9% | $13,708+101.0% | $12,562+119.3% |