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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 | $92,879 | $78,672+18.1% | $109,163-14.9% | $85,856+8.2% |
| Participation rate | 55.3% | 68.3%-13.0pp | 75.9%-20.6pp | 69.3%-14.0pp |
| Annual return | 13.74% | 25.09%-11.3pp | 25.75%-12.0pp | 318.58%-304.8pp |
| Employer contribution / active EE | $1,856 | $2,734-32.1% | $3,723-50.1% | $2,565-27.6% |
| Participant deferral / active EE | $4,053 | $3,467+16.9% | $4,654-12.9% | $3,952+2.5% |
| Admin fee / account holder | $5,440 | $5,470-0.5% | $6,754-19.5% | $6,261-13.1% |