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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 | $114,311 | $185,312-38.3% | $161,489-29.2% | $154,746-26.1% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 11.17% | 103.84%-92.7pp | 89.72%-78.6pp | 172.34%-161.2pp |
| Employer contribution / active EE | $2,394 | $4,769-49.8% | $4,268-43.9% | $4,379-45.3% |
| Participant deferral / active EE | $5,087 | $6,350-19.9% | $5,630-9.7% | $6,730-24.4% |
| Admin fee / account holder | $16,351 | $18,654-12.3% | $16,006+2.2% | $14,365+13.8% |