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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 | $113,571 | $118,875-4.5% | $96,572+17.6% | $167,553-32.2% |
| Participation rate | 50.0% | 75.5%-25.5pp | 69.8%-19.8pp | 82.1%-32.1pp |
| Annual return | 16.18% | 50.50%-34.3pp | 37.79%-21.6pp | 478.89%-462.7pp |
| Employer contribution / active EE | $2,811 | $3,121-9.9% | $2,357+19.3% | $4,840-41.9% |
| Participant deferral / active EE | $7,085 | $4,617+53.4% | $3,850+84.0% | $6,343+11.7% |
| Admin fee / account holder | $1,123 | $8,070-86.1% | $6,183-81.8% | $12,316-90.9% |