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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 | $107,735 | $98,776+9.1% | $149,745-28.1% | $79,856+34.9% |
| Participation rate | 56.6% | 75.8%-19.2pp | 82.5%-25.9pp | 69.6%-13.0pp |
| Annual return | 13.18% | 27.38%-14.2pp | 276.72%-263.5pp | 31.71%-18.5pp |
| Employer contribution / active EE | $2,185 | $3,217-32.1% | $4,646-53.0% | $2,471-11.6% |
| Participant deferral / active EE | $4,114 | $5,681-27.6% | $6,843-39.9% | $3,741+10.0% |
| Admin fee / account holder | $4,849 | $6,053-19.9% | $9,312-47.9% | $5,306-8.6% |