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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 | $117,565 | $110,379+6.5% | $102,412+14.8% | $145,884-19.4% |
| Participation rate | 20.0% | 77.9%-57.9pp | 74.5%-54.5pp | 80.3%-60.3pp |
| Annual return | 9.15% | 24.84%-15.7pp | 24.94%-15.8pp | 551.85%-542.7pp |
| Employer contribution / active EE | $2,051 | $4,216-51.3% | $3,870-47.0% | $4,662-56.0% |
| Participant deferral / active EE | $6,100 | $5,622+8.5% | $5,060+20.5% | $6,690-8.8% |
| Admin fee / account holder | $582 | $9,745-94.0% | $8,388-93.1% | $13,392-95.7% |