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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 | $95,923 | $106,280-9.7% | $96,538-0.6% | $139,487-31.2% |
| Participation rate | 60.9% | 77.8%-17.0pp | 74.3%-13.5pp | 80.3%-19.5pp |
| Annual return | 13.87% | 38.48%-24.6pp | 35.74%-21.9pp | 373.84%-360.0pp |
| Employer contribution / active EE | $4,871 | $4,107+18.6% | $3,740+30.2% | $4,755+2.4% |
| Participant deferral / active EE | $7,033 | $5,457+28.9% | $4,880+44.1% | $6,713+4.8% |
| Admin fee / account holder | $4,927 | $7,888-37.5% | $6,737-26.9% | $11,407-56.8% |