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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 | $181,062-37.9% | $158,223-29.0% | $155,188-27.6% |
| Participation rate | 56.3% | 82.7%-26.4pp | 79.2%-23.0pp | 80.8%-24.6pp |
| Annual return | 15.31% | 57.39%-42.1pp | 52.09%-36.8pp | 148.84%-133.5pp |
| Employer contribution / active EE | $1,125 | $4,565-75.4% | $4,109-72.6% | $4,248-73.5% |
| Participant deferral / active EE | $6,881 | $6,134+12.2% | $5,467+25.9% | $6,531+5.4% |
| Admin fee / account holder | $1,850 | $18,825-90.2% | $16,047-88.5% | $14,480-87.2% |