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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 | $86,162 | $88,672-2.8% | $105,223-18.1% | $82,448+4.5% |
| Participation rate | 53.8% | 67.9%-14.1pp | 75.0%-21.2pp | 68.1%-14.2pp |
| Annual return | 13.89% | 30.86%-17.0pp | 180.65%-166.8pp | 41.64%-27.7pp |
| Employer contribution / active EE | $2,162 | $3,048-29.1% | $3,689-41.4% | $2,551-15.3% |
| Participant deferral / active EE | $4,828 | $4,036+19.6% | $5,072-4.8% | $4,139+16.6% |
| Admin fee / account holder | $6,651 | $7,146-6.9% | $8,859-24.9% | $7,234-8.1% |