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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 | $91,028 | $71,197+27.9% | $93,669-2.8% | $80,925+12.5% |
| Participation rate | 45.9% | 60.4%-14.5pp | 68.7%-22.8pp | 67.7%-21.8pp |
| Annual return | 10.38% | 11.27%-0.9pp | 133.59%-123.2pp | 35.65%-25.3pp |
| Employer contribution / active EE | $1,706 | $1,565+9.0% | $2,424-29.6% | $2,756-38.1% |
| Participant deferral / active EE | $3,517 | $4,036-12.9% | $4,416-20.4% | $4,299-18.2% |
| Admin fee / account holder | $2,574 | $6,959-63.0% | $8,291-69.0% | $6,940-62.9% |