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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 | $106,096 | $110,337-3.8% | $102,383+3.6% | $145,877-27.3% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 12.49% | 24.83%-12.3pp | 24.94%-12.4pp | 551.28%-538.8pp |
| Employer contribution / active EE | $4,605 | $4,216+9.2% | $3,870+19.0% | $4,663-1.2% |
| Participant deferral / active EE | $11,938 | $5,621+112.4% | $5,060+135.9% | $6,691+78.4% |
| Admin fee / account holder | $2,003 | $9,750-79.5% | $8,391-76.1% | $13,402-85.1% |