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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 | $91,204 | $124,330-26.6% | $109,173-16.5% | $167,536-45.6% |
| Participation rate | 46.7% | 79.5%-32.8pp | 75.9%-29.2pp | 82.1%-35.4pp |
| Annual return | 12.73% | 26.04%-13.3pp | 25.75%-13.0pp | 478.82%-466.1pp |
| Employer contribution / active EE | $2,983 | $4,209-29.1% | $3,723-19.9% | $4,839-38.4% |
| Participant deferral / active EE | $8,148 | $5,256+55.0% | $4,654+75.1% | $6,342+28.5% |
| Admin fee / account holder | $7,810 | $7,974-2.1% | $6,755+15.6% | $12,315-36.6% |