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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 | $93,678 | $106,974-12.4% | $90,796+3.2% | $138,895-32.6% |
| Participation rate | 50.0% | 74.9%-24.9pp | 69.5%-19.5pp | 79.9%-29.9pp |
| Annual return | 9.46% | 20.10%-10.6pp | 19.29%-9.8pp | 145.39%-135.9pp |
| Employer contribution / active EE | $3,814 | $2,609+46.2% | $2,294+66.3% | $4,194-9.1% |
| Participant deferral / active EE | $5,302 | $4,455+19.0% | $3,822+38.7% | $6,396-17.1% |
| Admin fee / account holder | $1,648 | $8,626-80.9% | $7,024-76.5% | $12,562-86.9% |