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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 | $111,524 | $91,198+22.3% | $178,503-37.5% | $79,856+39.7% |
| Participation rate | 58.9% | 69.2%-10.3pp | 81.9%-23.0pp | 69.6%-10.7pp |
| Annual return | 14.24% | 24.20%-10.0pp | 151.12%-136.9pp | 31.71%-17.5pp |
| Employer contribution / active EE | $2,388 | $3,257-26.7% | $5,011-52.4% | $2,471-3.4% |
| Participant deferral / active EE | $4,511 | $3,237+39.4% | $5,202-13.3% | $3,741+20.6% |
| Admin fee / account holder | $6,856 | $6,748+1.6% | $13,987-51.0% | $5,306+29.2% |