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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 | $103,965 | $124,980-16.8% | $108,359-4.1% | $154,746-32.8% |
| Participation rate | 50.0% | 75.2%-25.2pp | 70.1%-20.1pp | 80.7%-30.7pp |
| Annual return | 20.28% | 45.00%-24.7pp | 36.89%-16.6pp | 172.34%-152.1pp |
| Employer contribution / active EE | $2,662 | $2,851-6.6% | $2,399+10.9% | $4,379-39.2% |
| Participant deferral / active EE | $4,803 | $4,743+1.3% | $4,137+16.1% | $6,730-28.6% |
| Admin fee / account holder | $38,589 | $11,502+235.5% | $9,741+296.2% | $14,365+168.6% |