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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 | $101,315 | $154,228-34.3% | $145,433-30.3% | $137,256-26.2% |
| Participation rate | 66.7% | 83.8%-17.1pp | 82.1%-15.5pp | 80.0%-13.3pp |
| Annual return | 14.56% | 74.59%-60.0pp | 66.58%-52.0pp | 220.34%-205.8pp |
| Employer contribution / active EE | $2,788 | $4,804-42.0% | $4,554-38.8% | $4,156-32.9% |
| Participant deferral / active EE | $5,164 | $8,216-37.2% | $7,897-34.6% | $6,407-19.4% |
| Admin fee / account holder | $948 | $14,344-93.4% | $13,129-92.8% | $12,270-92.3% |