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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 | $89,310 | $139,948-36.2% | $121,663-26.6% | $154,746-42.3% |
| Participation rate | 58.3% | 78.0%-19.7pp | 74.5%-16.2pp | 80.7%-22.4pp |
| Annual return | 14.84% | 230.52%-215.7pp | 147.54%-132.7pp | 172.34%-157.5pp |
| Employer contribution / active EE | $2,093 | $3,521-40.5% | $3,020-30.7% | $4,379-52.2% |
| Participant deferral / active EE | $3,807 | $5,629-32.4% | $4,887-22.1% | $6,730-43.4% |
| Admin fee / account holder | $7,275 | $17,321-58.0% | $14,289-49.1% | $14,365-49.4% |