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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 | $92,983 | $83,337+11.6% | $67,834+37.1% | $273,968-66.1% |
| Participation rate | 60.0% | 76.4%-16.4pp | 68.8%-8.8pp | 83.0%-23.0pp |
| Annual return | 7.29% | 259.45%-252.2pp | 138.47%-131.2pp | 41.45%-34.2pp |
| Employer contribution / active EE | $2,120 | $3,287-35.5% | $2,403-11.8% | $4,869-56.4% |
| Participant deferral / active EE | $6,931 | $4,088+69.5% | $3,160+119.4% | $5,287+31.1% |
| Admin fee / account holder | $1,253 | $6,752-81.4% | $4,622-72.9% | $10,132-87.6% |