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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 | $94,556 | $89,370+5.8% | $141,197-33.0% | $72,976+29.6% |
| Participation rate | 44.4% | 75.1%-30.7pp | 82.5%-38.0pp | 69.5%-25.0pp |
| Annual return | 21.45% | 111.88%-90.4pp | 71.41%-50.0pp | 81.02%-59.6pp |
| Employer contribution / active EE | $2,250 | $3,115-27.8% | $4,736-52.5% | $2,440-7.8% |
| Participant deferral / active EE | $4,608 | $5,419-15.0% | $6,710-31.3% | $3,608+27.7% |
| Admin fee / account holder | $6,550 | $5,957+10.0% | $10,265-36.2% | $5,124+27.8% |