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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 | $100,019 | $106,280-5.9% | $96,538+3.6% | $139,487-28.3% |
| Participation rate | 62.5% | 77.8%-15.3pp | 74.3%-11.8pp | 80.3%-17.8pp |
| Annual return | 13.93% | 38.48%-24.6pp | 35.74%-21.8pp | 373.84%-359.9pp |
| Employer contribution / active EE | $1,575 | $4,107-61.7% | $3,740-57.9% | $4,755-66.9% |
| Participant deferral / active EE | $2,994 | $5,457-45.1% | $4,880-38.7% | $6,713-55.4% |
| Admin fee / account holder | $1,678 | $7,888-78.7% | $6,737-75.1% | $11,407-85.3% |