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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 | $96,520 | $89,364+8.0% | $141,177-31.6% | $72,983+32.3% |
| Participation rate | 63.0% | 75.1%-12.2pp | 82.5%-19.5pp | 69.5%-6.5pp |
| Annual return | 20.71% | 111.86%-91.2pp | 71.40%-50.7pp | 81.01%-60.3pp |
| Employer contribution / active EE | $1,055 | $3,115-66.1% | $4,736-77.7% | $2,440-56.8% |
| Participant deferral / active EE | $5,648 | $5,419+4.2% | $6,710-15.8% | $3,608+56.6% |
| Admin fee / account holder | $1,335 | $5,959-77.6% | $10,263-87.0% | $5,124-73.9% |