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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 | $99,477 | $178,174-44.2% | $156,181-36.3% | $137,256-27.5% |
| Participation rate | 56.3% | 82.0%-25.8pp | 78.8%-22.6pp | 80.0%-23.7pp |
| Annual return | 22.27% | 84.19%-61.9pp | 64.87%-42.6pp | 220.34%-198.1pp |
| Employer contribution / active EE | $2,738 | $4,972-44.9% | $4,294-36.2% | $4,156-34.1% |
| Participant deferral / active EE | $6,605 | $6,888-4.1% | $6,132+7.7% | $6,407+3.1% |
| Admin fee / account holder | $1,193 | $17,404-93.1% | $14,586-91.8% | $12,270-90.3% |