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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 | $91,408 | $123,155-25.8% | $108,753-15.9% | $155,188-41.1% |
| Participation rate | 60.0% | 75.6%-15.6pp | 71.1%-11.1pp | 80.8%-20.8pp |
| Annual return | 18.22% | 44.73%-26.5pp | 37.47%-19.3pp | 148.84%-130.6pp |
| Employer contribution / active EE | $2,216 | $2,811-21.2% | $2,427-8.7% | $4,248-47.8% |
| Participant deferral / active EE | $3,622 | $4,623-21.6% | $4,115-12.0% | $6,531-44.5% |
| Admin fee / account holder | $1,174 | $12,126-90.3% | $10,320-88.6% | $14,480-91.9% |