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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 | $107,971 | $124,980-13.6% | $108,359-0.4% | $154,746-30.2% |
| Participation rate | 50.0% | 75.2%-25.2pp | 70.1%-20.1pp | 80.7%-30.7pp |
| Annual return | 24.30% | 45.00%-20.7pp | 36.89%-12.6pp | 172.34%-148.0pp |
| Employer contribution / active EE | $17,583 | $2,851+516.8% | $2,399+632.8% | $4,379+301.5% |
| Participant deferral / active EE | $8,156 | $4,743+72.0% | $4,137+97.1% | $6,730+21.2% |
| Admin fee / account holder | $454 | $11,502-96.1% | $9,741-95.3% | $14,365-96.8% |