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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 | $155,555-37.6% | $146,866-33.9% | $155,188-37.5% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.5%-22.5pp | 80.8%-20.8pp |
| Annual return | 23.99% | 115.41%-91.4pp | 102.85%-78.9pp | 148.84%-124.8pp |
| Employer contribution / active EE | $4,386 | $4,647-5.6% | $4,425-0.9% | $4,248+3.3% |
| Participant deferral / active EE | $9,098 | $8,044+13.1% | $7,759+17.3% | $6,531+39.3% |
| Admin fee / account holder | $975 | $14,755-93.4% | $13,620-92.8% | $14,480-93.3% |