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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 | $99,380-5.7% | $90,312+3.7% | $155,188-39.6% |
| Participation rate | 50.0% | 77.3%-27.3pp | 72.9%-22.9pp | 80.8%-30.8pp |
| Annual return | 9.46% | 19.35%-9.9pp | 18.90%-9.4pp | 148.84%-139.4pp |
| Employer contribution / active EE | $3,814 | $2,390+59.6% | $2,243+70.1% | $4,248-10.2% |
| Participant deferral / active EE | $5,302 | $4,212+25.9% | $3,749+41.4% | $6,531-18.8% |
| Admin fee / account holder | $1,648 | $9,766-83.1% | $8,248-80.0% | $14,480-88.6% |