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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 | $98,734 | $106,247-7.1% | $96,515+2.3% | $139,466-29.2% |
| Participation rate | 58.8% | 77.8%-19.0pp | 74.3%-15.5pp | 80.3%-21.5pp |
| Annual return | 11.03% | 38.47%-27.4pp | 35.73%-24.7pp | 373.66%-362.6pp |
| Employer contribution / active EE | $2,653 | $4,106-35.4% | $3,740-29.1% | $4,754-44.2% |
| Participant deferral / active EE | $6,558 | $5,456+20.2% | $4,880+34.4% | $6,712-2.3% |
| Admin fee / account holder | $2,407 | $7,885-69.5% | $6,735-64.3% | $11,409-78.9% |