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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 | $97,982 | $89,259+9.8% | $107,187-8.6% | $82,637+18.6% |
| Participation rate | 55.0% | 67.9%-12.9pp | 75.0%-20.0pp | 68.1%-13.1pp |
| Annual return | 14.22% | 21.02%-6.8pp | 204.55%-190.3pp | 53.51%-39.3pp |
| Employer contribution / active EE | $1,768 | $3,080-42.6% | $3,782-53.3% | $2,552-30.7% |
| Participant deferral / active EE | $3,390 | $4,037-16.0% | $5,096-33.5% | $4,126-17.8% |
| Admin fee / account holder | $5,652 | $7,381-23.4% | $9,162-38.3% | $7,339-23.0% |