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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 | $90,274 | $77,638+16.3% | $156,551-42.3% | $62,881+43.6% |
| Participation rate | 66.1% | 71.2%-5.1pp | 84.0%-17.9pp | 69.3%-3.2pp |
| Annual return | 5.90% | 50.33%-44.4pp | 32.23%-26.3pp | 20.14%-14.2pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,508 | $3,046-17.7% | $4,871-48.5% | $3,203-21.7% |
| Admin fee / account holder | $2,933 | $5,561-47.3% | $13,028-77.5% | $4,296-31.7% |