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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 | $106,269 | $147,594-28.0% | $121,871-12.8% | $198,609-46.5% |
| Participation rate | 57.1% | 78.0%-20.8pp | 73.2%-16.1pp | 82.4%-25.2pp |
| Annual return | 9.00% | 12.94%-3.9pp | 13.57%-4.6pp | 202.70%-193.7pp |
| Employer contribution / active EE | $2,258 | $3,007-24.9% | $2,731-17.3% | $5,055-55.3% |
| Participant deferral / active EE | $4,780 | $5,168-7.5% | $4,318+10.7% | $6,977-31.5% |
| Admin fee / account holder | $11,878 | $15,134-21.5% | $11,551+2.8% | $19,030-37.6% |