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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 | $106,340 | $110,307-3.6% | $96,576+10.1% | $139,456-23.7% |
| Participation rate | 57.1% | 78.1%-21.0pp | 76.0%-18.8pp | 80.3%-23.2pp |
| Annual return | 16.31% | 26.40%-10.1pp | 25.87%-9.6pp | 373.45%-357.1pp |
| Employer contribution / active EE | $2,167 | $3,619-40.1% | $2,965-26.9% | $4,753-54.4% |
| Participant deferral / active EE | $4,452 | $5,547-19.8% | $4,851-8.2% | $6,711-33.7% |
| Admin fee / account holder | $8,519 | $11,597-26.5% | $8,253+3.2% | $11,407-25.3% |