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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 | $108,938 | $183,627-40.7% | $155,602-30.0% | $145,978-25.4% |
| Participation rate | 58.3% | 82.7%-24.4pp | 78.2%-19.9pp | 80.3%-22.0pp |
| Annual return | 14.88% | 61.32%-46.4pp | 64.81%-49.9pp | 550.52%-535.6pp |
| Employer contribution / active EE | $2,140 | $5,316-59.7% | $4,675-54.2% | $4,662-54.1% |
| Participant deferral / active EE | $5,808 | $6,466-10.2% | $5,629+3.2% | $6,690-13.2% |
| Admin fee / account holder | $890 | $19,327-95.4% | $15,923-94.4% | $13,400-93.4% |