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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 | $109,961 | $185,312-40.7% | $161,489-31.9% | $154,746-28.9% |
| Participation rate | 58.3% | 82.5%-24.1pp | 78.7%-20.4pp | 80.7%-22.4pp |
| Annual return | 18.63% | 103.84%-85.2pp | 89.72%-71.1pp | 172.34%-153.7pp |
| Employer contribution / active EE | $2,461 | $4,769-48.4% | $4,268-42.3% | $4,379-43.8% |
| Participant deferral / active EE | $8,403 | $6,350+32.3% | $5,630+49.3% | $6,730+24.9% |
| Admin fee / account holder | $1,216 | $18,654-93.5% | $16,006-92.4% | $14,365-91.5% |