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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 | $227,291-43.4% | $214,702-40.1% | $155,188-17.1% |
| Participation rate | 50.0% | 88.0%-38.0pp | 87.5%-37.5pp | 80.8%-30.8pp |
| Annual return | 17.37% | 60.08%-42.7pp | 54.55%-37.2pp | 148.84%-131.5pp |
| Employer contribution / active EE | $9,589 | $6,772+41.6% | $6,461+48.4% | $4,248+125.7% |
| Participant deferral / active EE | $11,803 | $9,582+23.2% | $9,147+29.0% | $6,531+80.7% |
| Admin fee / account holder | $6,143 | $20,413-69.9% | $19,830-69.0% | $14,480-57.6% |