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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 | $112,729-4.2% | $98,716+9.4% | $137,256-21.3% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.3%-19.3pp | 80.0%-30.0pp |
| Annual return | 24.30% | 38.48%-14.2pp | 31.81%-7.5pp | 220.34%-196.0pp |
| Employer contribution / active EE | $17,583 | $2,725+545.2% | $2,279+671.7% | $4,156+323.1% |
| Participant deferral / active EE | $8,156 | $4,640+75.8% | $4,048+101.5% | $6,407+27.3% |
| Admin fee / account holder | $454 | $10,129-95.5% | $8,703-94.8% | $12,270-96.3% |