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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 | $43,741 | $201,370-78.3% | $184,256-76.3% | $145,897-70.0% |
| Participation rate | 60.0% | 87.5%-27.5pp | 86.8%-26.8pp | 80.3%-20.3pp |
| Annual return | 20.71% | 29.05%-8.3pp | 28.85%-8.1pp | 552.29%-531.6pp |
| Employer contribution / active EE | $13,855 | $7,024+97.3% | $6,427+115.6% | $4,663+197.2% |
| Participant deferral / active EE | $25,357 | $9,808+158.5% | $9,133+177.6% | $6,689+279.1% |
| Admin fee / account holder | $7,835 | $16,364-52.1% | $13,899-43.6% | $13,390-41.5% |