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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 | $112,383 | $174,379-35.6% | $152,093-26.1% | $138,895-19.1% |
| Participation rate | 56.3% | 81.6%-25.4pp | 77.8%-21.5pp | 79.9%-23.7pp |
| Annual return | 15.31% | 74.86%-59.6pp | 66.36%-51.1pp | 145.39%-130.1pp |
| Employer contribution / active EE | $1,125 | $4,652-75.8% | $4,175-73.1% | $4,194-73.2% |
| Participant deferral / active EE | $6,881 | $6,159+11.7% | $5,451+26.2% | $6,396+7.6% |
| Admin fee / account holder | $1,850 | $16,880-89.0% | $14,497-87.2% | $12,562-85.3% |