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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 | $201,370-21.5% | $184,256-14.2% | $145,897+8.3% |
| Participation rate | 54.5% | 87.5%-32.9pp | 86.8%-32.3pp | 80.3%-25.8pp |
| Annual return | 10.77% | 29.05%-18.3pp | 28.85%-18.1pp | 552.29%-541.5pp |
| Employer contribution / active EE | $0 | $7,024-100.0% | $6,427-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,982 | $9,808-59.4% | $9,133-56.4% | $6,689-40.5% |
| Admin fee / account holder | $11,283 | $16,364-31.0% | $13,899-18.8% | $13,390-15.7% |