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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 | $93,345+2.7% | $119,126-19.5% | $87,485+9.6% |
| Participation rate | 64.3% | 68.7%-4.5pp | 75.8%-11.5pp | 68.9%-4.6pp |
| Annual return | 16.61% | 19.08%-2.5pp | 282.11%-265.5pp | 26.06%-9.5pp |
| Employer contribution / active EE | $1,604 | $3,172-49.4% | $4,034-60.2% | $2,596-38.2% |
| Participant deferral / active EE | $4,288 | $4,099+4.6% | $5,318-19.4% | $4,274+0.3% |
| Admin fee / account holder | $1,587 | $8,039-80.3% | $10,693-85.2% | $7,775-79.6% |