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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 | $113,231 | $117,859-3.9% | $102,438+10.5% | $145,959-22.4% |
| Participation rate | 55.6% | 78.6%-23.0pp | 76.5%-20.9pp | 80.3%-24.7pp |
| Annual return | 9.14% | 31.72%-22.6pp | 29.37%-20.2pp | 561.95%-552.8pp |
| Employer contribution / active EE | $976 | $3,615-73.0% | $3,024-67.7% | $4,661-79.1% |
| Participant deferral / active EE | $8,297 | $5,732+44.7% | $5,054+64.2% | $6,689+24.0% |
| Admin fee / account holder | $563 | $13,318-95.8% | $9,448-94.0% | $13,398-95.8% |