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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 | $110,790 | $111,814-0.9% | $103,374+7.2% | $145,959-24.1% |
| Participation rate | 69.6% | 77.9%-8.4pp | 74.5%-4.9pp | 80.3%-10.7pp |
| Annual return | 13.92% | 24.77%-10.9pp | 24.89%-11.0pp | 561.95%-548.0pp |
| Employer contribution / active EE | $2,743 | $4,214-34.9% | $3,869-29.1% | $4,661-41.1% |
| Participant deferral / active EE | $7,643 | $5,618+36.0% | $5,058+51.1% | $6,689+14.3% |
| Admin fee / account holder | $6,549 | $9,754-32.9% | $8,394-22.0% | $13,398-51.1% |