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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 | $93,389 | $89,259+4.6% | $107,187-12.9% | $82,637+13.0% |
| Participation rate | 48.6% | 67.9%-19.3pp | 75.0%-26.4pp | 68.1%-19.4pp |
| Annual return | 16.66% | 21.02%-4.4pp | 204.55%-187.9pp | 53.51%-36.8pp |
| Employer contribution / active EE | $1,565 | $3,080-49.2% | $3,782-58.6% | $2,552-38.7% |
| Participant deferral / active EE | $5,914 | $4,037+46.5% | $5,096+16.1% | $4,126+43.3% |
| Admin fee / account holder | $4,944 | $7,381-33.0% | $9,162-46.0% | $7,339-32.6% |