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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 | $97,918 | $97,125+0.8% | $86,233+13.6% | $137,256-28.7% |
| Participation rate | 58.8% | 74.2%-15.4pp | 69.0%-10.2pp | 80.0%-21.1pp |
| Annual return | 18.09% | 74.19%-56.1pp | 61.39%-43.3pp | 220.34%-202.3pp |
| Employer contribution / active EE | $2,204 | $2,841-22.4% | $2,504-12.0% | $4,156-47.0% |
| Participant deferral / active EE | $2,914 | $5,180-43.7% | $4,559-36.1% | $6,407-54.5% |
| Admin fee / account holder | $1,714 | $9,725-82.4% | $8,342-79.5% | $12,270-86.0% |