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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 | $101,081 | $182,442-44.6% | $163,379-38.1% | $138,895-27.2% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.8%-10.2pp | 79.9%-13.3pp |
| Annual return | 18.56% | 72.74%-54.2pp | 63.41%-44.8pp | 145.39%-126.8pp |
| Employer contribution / active EE | $3,812 | $4,159-8.3% | $3,752+1.6% | $4,194-9.1% |
| Participant deferral / active EE | $5,422 | $6,817-20.5% | $6,282-13.7% | $6,396-15.2% |
| Admin fee / account holder | $434 | $10,396-95.8% | $9,818-95.6% | $12,562-96.5% |