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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 | $128,666 | $212,386-39.4% | $199,883-35.6% | $138,895-7.4% |
| Participation rate | 50.0% | 87.4%-37.4pp | 86.8%-36.8pp | 79.9%-29.9pp |
| Annual return | 17.37% | 47.75%-30.4pp | 43.81%-26.4pp | 145.39%-128.0pp |
| Employer contribution / active EE | $9,589 | $6,625+44.7% | $6,261+53.1% | $4,194+128.6% |
| Participant deferral / active EE | $11,803 | $9,617+22.7% | $9,138+29.2% | $6,396+84.5% |
| Admin fee / account holder | $6,143 | $18,233-66.3% | $17,268-64.4% | $12,562-51.1% |