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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 | $94,404 | $125,797-25.0% | $170,057-44.5% | $75,177+25.6% |
| Participation rate | 69.0% | 83.6%-14.6pp | 87.0%-18.0pp | 67.2%+1.8pp |
| Annual return | 22.14% | 27.20%-5.1pp | 53.42%-31.3pp | 160.75%-138.6pp |
| Employer contribution / active EE | $5,159 | $4,616+11.8% | $6,790-24.0% | $2,671+93.1% |
| Participant deferral / active EE | $6,716 | $6,838-1.8% | $10,411-35.5% | $4,126+62.8% |
| Admin fee / account holder | $961 | $8,177-88.2% | $12,826-92.5% | $5,651-83.0% |