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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 | $95,859 | $105,284-9.0% | $150,734-36.4% | $94,015+2.0% |
| Participation rate | 64.3% | 71.7%-7.4pp | 78.4%-14.2pp | 70.8%-6.5pp |
| Annual return | 16.61% | 15.67%+0.9pp | 600.81%-584.2pp | 17.84%-1.2pp |
| Employer contribution / active EE | $1,604 | $3,599-55.4% | $4,918-67.4% | $2,790-42.5% |
| Participant deferral / active EE | $4,288 | $4,274+0.3% | $5,610-23.6% | $4,249+0.9% |
| Admin fee / account holder | $1,587 | $9,839-83.9% | $14,905-89.4% | $8,951-82.3% |