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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 | $93,307 | $93,598-0.3% | $135,974-31.4% | $75,173+24.1% |
| Participation rate | 50.8% | 75.2%-24.4pp | 81.9%-31.1pp | 67.2%-16.4pp |
| Annual return | 21.27% | 30.89%-9.6pp | 68.30%-47.0pp | 160.72%-139.4pp |
| Employer contribution / active EE | $2,101 | $3,538-40.6% | $4,859-56.8% | $2,671-21.3% |
| Participant deferral / active EE | $4,631 | $6,405-27.7% | $7,760-40.3% | $4,126+12.2% |
| Admin fee / account holder | $3,742 | $6,978-46.4% | $10,767-65.2% | $5,651-33.8% |