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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 | $148,344 | $110,410+34.4% | $102,437+44.8% | $145,897+1.7% |
| Participation rate | 31.3% | 77.9%-46.7pp | 74.5%-43.3pp | 80.3%-49.1pp |
| Annual return | 14.86% | 24.85%-10.0pp | 24.95%-10.1pp | 552.29%-537.4pp |
| Employer contribution / active EE | $1,786 | $4,217-57.6% | $3,871-53.9% | $4,663-61.7% |
| Participant deferral / active EE | $5,000 | $5,622-11.1% | $5,060-1.2% | $6,689-25.3% |
| Admin fee / account holder | $5,306 | $9,745-45.5% | $8,388-36.7% | $13,390-60.4% |