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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 | $137,005 | $223,823-38.8% | $211,142-35.1% | $154,746-11.5% |
| Participation rate | 57.1% | 87.9%-30.7pp | 87.3%-30.1pp | 80.7%-23.6pp |
| Annual return | 18.54% | 50.39%-31.9pp | 46.84%-28.3pp | 172.34%-153.8pp |
| Employer contribution / active EE | $2,530 | $6,787-62.7% | $6,442-60.7% | $4,379-42.2% |
| Participant deferral / active EE | $10,955 | $9,750+12.4% | $9,284+18.0% | $6,730+62.8% |
| Admin fee / account holder | $413 | $19,707-97.9% | $19,076-97.8% | $14,365-97.1% |