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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 | $98,771 | $106,280-7.1% | $96,538+2.3% | $139,487-29.2% |
| Participation rate | 57.1% | 77.8%-20.7pp | 74.3%-17.2pp | 80.3%-23.2pp |
| Annual return | 15.39% | 38.48%-23.1pp | 35.74%-20.4pp | 373.84%-358.5pp |
| Employer contribution / active EE | $1,907 | $4,107-53.6% | $3,740-49.0% | $4,755-59.9% |
| Participant deferral / active EE | $6,186 | $5,457+13.4% | $4,880+26.7% | $6,713-7.9% |
| Admin fee / account holder | $955 | $7,888-87.9% | $6,737-85.8% | $11,407-91.6% |