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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 | $99,359 | $89,259+11.3% | $107,187-7.3% | $82,637+20.2% |
| Participation rate | 35.7% | 67.9%-32.2pp | 75.0%-39.3pp | 68.1%-32.3pp |
| Annual return | 18.37% | 21.02%-2.7pp | 204.55%-186.2pp | 53.51%-35.1pp |
| Employer contribution / active EE | $1,949 | $3,080-36.7% | $3,782-48.5% | $2,552-23.6% |
| Participant deferral / active EE | $4,623 | $4,037+14.5% | $5,096-9.3% | $4,126+12.0% |
| Admin fee / account holder | $3,379 | $7,381-54.2% | $9,162-63.1% | $7,339-54.0% |