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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 | $111,030 | $103,393+7.4% | $87,103+27.5% | $152,909-27.4% |
| Participation rate | 69.2% | 79.4%-10.1pp | 76.9%-7.6pp | 82.5%-13.2pp |
| Annual return | 23.34% | 28.10%-4.8pp | 28.19%-4.9pp | 345.46%-322.1pp |
| Employer contribution / active EE | $1,364 | $3,221-57.6% | $2,521-45.9% | $4,764-71.4% |
| Participant deferral / active EE | $3,701 | $4,778-22.5% | $4,049-8.6% | $5,851-36.7% |
| Admin fee / account holder | $4,084 | $12,195-66.5% | $7,491-45.5% | $11,601-64.8% |