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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 | $105,902 | $135,956-22.1% | $123,894-14.5% | $273,972-61.3% |
| Participation rate | 69.2% | 84.1%-14.8pp | 81.4%-12.2pp | 83.0%-13.8pp |
| Annual return | 11.77% | 56.63%-44.9pp | 47.52%-35.7pp | 41.46%-29.7pp |
| Employer contribution / active EE | $2,271 | $5,170-56.1% | $4,617-50.8% | $4,869-53.4% |
| Participant deferral / active EE | $9,344 | $6,343+47.3% | $5,984+56.1% | $5,287+76.7% |
| Admin fee / account holder | $3,234 | $9,817-67.1% | $8,357-61.3% | $10,133-68.1% |