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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 | $102,938-4.6% | $94,105+4.3% | $138,895-29.3% |
| Participation rate | 50.0% | 74.6%-24.6pp | 71.9%-21.9pp | 79.9%-29.9pp |
| Annual return | 17.63% | 250.28%-232.6pp | 204.55%-186.9pp | 145.39%-127.8pp |
| Employer contribution / active EE | $715 | $2,732-73.8% | $2,504-71.5% | $4,194-83.0% |
| Participant deferral / active EE | $7,765 | $4,196+85.0% | $3,881+100.1% | $6,396+21.4% |
| Admin fee / account holder | $1,362 | $6,600-79.4% | $6,199-78.0% | $12,562-89.2% |