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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 | $90,709 | $91,559-0.9% | $133,978-32.3% | $79,856+13.6% |
| Participation rate | 47.2% | 73.3%-26.2pp | 79.8%-32.7pp | 69.6%-22.5pp |
| Annual return | 17.88% | 61.85%-44.0pp | 45.10%-27.2pp | 31.71%-13.8pp |
| Employer contribution / active EE | $1,367 | $2,384-42.7% | $3,919-65.1% | $2,471-44.7% |
| Participant deferral / active EE | $2,864 | $3,734-23.3% | $5,047-43.3% | $3,741-23.4% |
| Admin fee / account holder | $7,772 | $6,321+22.9% | $8,930-13.0% | $5,306+46.5% |