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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 | $97,062 | $162,136-40.1% | $152,301-36.3% | $154,746-37.3% |
| Participation rate | 60.0% | 84.1%-24.1pp | 82.4%-22.4pp | 80.7%-20.7pp |
| Annual return | 23.99% | 91.02%-67.0pp | 80.50%-56.5pp | 172.34%-148.3pp |
| Employer contribution / active EE | $4,386 | $4,890-10.3% | $4,624-5.2% | $4,379+0.2% |
| Participant deferral / active EE | $9,098 | $8,341+9.1% | $8,004+13.7% | $6,730+35.2% |
| Admin fee / account holder | $975 | $15,759-93.8% | $14,398-93.2% | $14,365-93.2% |