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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 | $123,271 | $185,312-33.5% | $161,489-23.7% | $154,746-20.3% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.7%-28.7pp | 80.7%-30.7pp |
| Annual return | 13.22% | 103.84%-90.6pp | 89.72%-76.5pp | 172.34%-159.1pp |
| Employer contribution / active EE | $2,086 | $4,769-56.3% | $4,268-51.1% | $4,379-52.4% |
| Participant deferral / active EE | $4,659 | $6,350-26.6% | $5,630-17.3% | $6,730-30.8% |
| Admin fee / account holder | $15,177 | $18,654-18.6% | $16,006-5.2% | $14,365+5.6% |