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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 | $179,436 | $90,509+98.3% | $78,693+128.0% | $273,968-34.5% |
| Participation rate | 61.9% | 76.5%-14.6pp | 73.6%-11.7pp | 83.0%-21.1pp |
| Annual return | 5.55% | 75.61%-70.1pp | 62.18%-56.6pp | 41.45%-35.9pp |
| Employer contribution / active EE | $2,215 | $3,175-30.2% | $2,850-22.3% | $4,869-54.5% |
| Participant deferral / active EE | $2,998 | $3,901-23.2% | $3,517-14.8% | $5,287-43.3% |
| Admin fee / account holder | $10,897 | $5,264+107.0% | $4,511+141.6% | $10,132+7.5% |