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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 | $109,524 | $123,155-11.1% | $108,753+0.7% | $155,188-29.4% |
| Participation rate | 40.0% | 75.6%-35.6pp | 71.1%-31.1pp | 80.8%-40.8pp |
| Annual return | 19.71% | 44.73%-25.0pp | 37.47%-17.8pp | 148.84%-129.1pp |
| Employer contribution / active EE | $1,311 | $2,811-53.4% | $2,427-46.0% | $4,248-69.1% |
| Participant deferral / active EE | $4,200 | $4,623-9.2% | $4,115+2.1% | $6,531-35.7% |
| Admin fee / account holder | $6,521 | $12,126-46.2% | $10,320-36.8% | $14,480-55.0% |