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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 | $105,183 | $174,379-39.7% | $152,093-30.8% | $138,895-24.3% |
| Participation rate | 50.0% | 81.6%-31.6pp | 77.8%-27.8pp | 79.9%-29.9pp |
| Annual return | 21.29% | 74.86%-53.6pp | 66.36%-45.1pp | 145.39%-124.1pp |
| Employer contribution / active EE | $2,320 | $4,652-50.1% | $4,175-44.4% | $4,194-44.7% |
| Participant deferral / active EE | $13,250 | $6,159+115.1% | $5,451+143.1% | $6,396+107.2% |
| Admin fee / account holder | $863 | $16,880-94.9% | $14,497-94.1% | $12,562-93.1% |