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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 | $110,725 | $89,259+24.0% | $107,187+3.3% | $82,637+34.0% |
| Participation rate | 58.1% | 67.9%-9.9pp | 75.0%-17.0pp | 68.1%-10.0pp |
| Annual return | 16.66% | 21.02%-4.4pp | 204.55%-187.9pp | 53.51%-36.8pp |
| Employer contribution / active EE | $2,137 | $3,080-30.6% | $3,782-43.5% | $2,552-16.3% |
| Participant deferral / active EE | $4,351 | $4,037+7.8% | $5,096-14.6% | $4,126+5.5% |
| Admin fee / account holder | $9,230 | $7,381+25.0% | $9,162+0.7% | $7,339+25.8% |