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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 | $93,345-7.7% | $119,126-27.7% | $87,485-1.5% |
| Participation rate | 53.8% | 68.7%-14.9pp | 75.8%-21.9pp | 68.9%-15.1pp |
| Annual return | 13.89% | 19.08%-5.2pp | 282.11%-268.2pp | 26.06%-12.2pp |
| Employer contribution / active EE | $2,162 | $3,172-31.8% | $4,034-46.4% | $2,596-16.7% |
| Participant deferral / active EE | $4,828 | $4,099+17.8% | $5,318-9.2% | $4,274+13.0% |
| Admin fee / account holder | $6,651 | $8,039-17.3% | $10,693-37.8% | $7,775-14.5% |