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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 | $114,095 | $97,648+16.8% | $121,663-6.2% | $87,485+30.4% |
| Participation rate | 57.1% | 70.5%-13.3pp | 74.5%-17.3pp | 68.9%-11.8pp |
| Annual return | 13.84% | 18.03%-4.2pp | 147.54%-133.7pp | 26.06%-12.2pp |
| Employer contribution / active EE | $2,103 | $2,300-8.6% | $3,020-30.4% | $2,596-19.0% |
| Participant deferral / active EE | $2,882 | $3,923-26.5% | $4,887-41.0% | $4,274-32.6% |
| Admin fee / account holder | $12,085 | $11,100+8.9% | $14,289-15.4% | $7,775+55.4% |