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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 | $105,232 | $239,571-56.1% | $183,328-42.6% | $137,256-23.3% |
| Participation rate | 66.7% | 82.4%-15.7pp | 77.3%-10.7pp | 80.0%-13.3pp |
| Annual return | 13.25% | 35.69%-22.4pp | 29.67%-16.4pp | 220.34%-207.1pp |
| Employer contribution / active EE | $5,550 | $6,148-9.7% | $5,055+9.8% | $4,156+33.5% |
| Participant deferral / active EE | $9,363 | $7,995+17.1% | $6,795+37.8% | $6,407+46.1% |
| Admin fee / account holder | $11,484 | $30,059-61.8% | $21,427-46.4% | $12,270-6.4% |