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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 | $97,537 | $78,672+24.0% | $109,163-10.7% | $85,856+13.6% |
| Participation rate | 54.5% | 68.3%-13.7pp | 75.9%-21.3pp | 69.3%-14.8pp |
| Annual return | 19.47% | 25.09%-5.6pp | 25.75%-6.3pp | 318.58%-299.1pp |
| Employer contribution / active EE | $2,492 | $2,734-8.8% | $3,723-33.0% | $2,565-2.8% |
| Participant deferral / active EE | $4,291 | $3,467+23.8% | $4,654-7.8% | $3,952+8.6% |
| Admin fee / account holder | $1,135 | $5,470-79.3% | $6,754-83.2% | $6,261-81.9% |