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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 | $115,523 | $110,379+4.7% | $102,412+12.8% | $145,884-20.8% |
| Participation rate | 36.4% | 77.9%-41.6pp | 74.5%-38.1pp | 80.3%-43.9pp |
| Annual return | 14.79% | 24.84%-10.1pp | 24.94%-10.2pp | 551.85%-537.1pp |
| Employer contribution / active EE | $1,092 | $4,216-74.1% | $3,870-71.8% | $4,662-76.6% |
| Participant deferral / active EE | $1,794 | $5,622-68.1% | $5,060-64.5% | $6,690-73.2% |
| Admin fee / account holder | $13,937 | $9,745+43.0% | $8,388+66.2% | $13,392+4.1% |