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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 | $103,613 | $103,393+0.2% | $87,103+19.0% | $152,909-32.2% |
| Participation rate | 31.3% | 79.4%-48.1pp | 76.9%-45.6pp | 82.5%-51.2pp |
| Annual return | 21.82% | 28.10%-6.3pp | 28.19%-6.4pp | 345.46%-323.6pp |
| Employer contribution / active EE | $1,086 | $3,221-66.3% | $2,521-56.9% | $4,764-77.2% |
| Participant deferral / active EE | $1,871 | $4,778-60.9% | $4,049-53.8% | $5,851-68.0% |
| Admin fee / account holder | $761 | $12,195-93.8% | $7,491-89.8% | $11,601-93.4% |