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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 | $105,999 | $77,920+36.0% | $149,723-29.2% | $75,177+41.0% |
| Participation rate | 53.6% | 65.6%-12.0pp | 78.8%-25.2pp | 67.2%-13.6pp |
| Annual return | 20.93% | 31.72%-10.8pp | 134.50%-113.6pp | 160.75%-139.8pp |
| Employer contribution / active EE | $3,915 | $3,138+24.8% | $4,821-18.8% | $2,671+46.6% |
| Participant deferral / active EE | $7,157 | $3,411+109.8% | $5,682+26.0% | $4,126+73.4% |
| Admin fee / account holder | $1,800 | $5,951-69.7% | $13,215-86.4% | $5,651-68.1% |