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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 | $102,094 | $157,829-35.3% | $136,867-25.4% | $198,609-48.6% |
| Participation rate | 61.1% | 77.2%-16.1pp | 74.5%-13.4pp | 82.4%-21.3pp |
| Annual return | 16.77% | 51.25%-34.5pp | 42.97%-26.2pp | 202.70%-185.9pp |
| Employer contribution / active EE | $2,567 | $3,923-34.6% | $3,547-27.6% | $5,055-49.2% |
| Participant deferral / active EE | $7,496 | $5,463+37.2% | $4,924+52.2% | $6,977+7.4% |
| Admin fee / account holder | $1,466 | $11,107-86.8% | $10,340-85.8% | $19,030-92.3% |