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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 | $106,275 | $123,155-13.7% | $108,753-2.3% | $155,188-31.5% |
| Participation rate | 55.6% | 75.6%-20.1pp | 71.1%-15.5pp | 80.8%-25.2pp |
| Annual return | 23.85% | 44.73%-20.9pp | 37.47%-13.6pp | 148.84%-125.0pp |
| Employer contribution / active EE | $2,556 | $2,811-9.1% | $2,427+5.3% | $4,248-39.8% |
| Participant deferral / active EE | $1,505 | $4,623-67.4% | $4,115-63.4% | $6,531-77.0% |
| Admin fee / account holder | $501 | $12,126-95.9% | $10,320-95.1% | $14,480-96.5% |