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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 | $158,025 | $201,344-21.5% | $184,243-14.2% | $145,877+8.3% |
| Participation rate | 54.5% | 87.5%-32.9pp | 86.8%-32.3pp | 80.3%-25.8pp |
| Annual return | 10.77% | 29.01%-18.2pp | 28.82%-18.1pp | 551.28%-540.5pp |
| Employer contribution / active EE | $0 | $7,022-100.0% | $6,427-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,982 | $9,807-59.4% | $9,132-56.4% | $6,691-40.5% |
| Admin fee / account holder | $11,283 | $16,382-31.1% | $13,914-18.9% | $13,402-15.8% |