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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 | $98,179 | $101,618-3.4% | $93,063+5.5% | $137,256-28.5% |
| Participation rate | 50.0% | 74.9%-24.9pp | 72.1%-22.1pp | 80.0%-30.0pp |
| Annual return | 17.63% | 223.95%-206.3pp | 34.15%-16.5pp | 220.34%-202.7pp |
| Employer contribution / active EE | $715 | $2,707-73.6% | $2,476-71.1% | $4,156-82.8% |
| Participant deferral / active EE | $7,765 | $4,279+81.4% | $3,958+96.2% | $6,407+21.2% |
| Admin fee / account holder | $1,362 | $6,198-78.0% | $6,033-77.4% | $12,270-88.9% |