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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 | $115,176 | $88,672+29.9% | $105,223+9.5% | $82,448+39.7% |
| Participation rate | 63.3% | 67.9%-4.7pp | 75.0%-11.8pp | 68.1%-4.8pp |
| Annual return | 15.06% | 30.86%-15.8pp | 180.65%-165.6pp | 41.64%-26.6pp |
| Employer contribution / active EE | $2,032 | $3,048-33.3% | $3,689-44.9% | $2,551-20.3% |
| Participant deferral / active EE | $3,079 | $4,036-23.7% | $5,072-39.3% | $4,139-25.6% |
| Admin fee / account holder | $990 | $7,146-86.2% | $8,859-88.8% | $7,234-86.3% |