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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 | $103,686 | $136,860-24.2% | $120,344-13.8% | $154,746-33.0% |
| Participation rate | 33.3% | 79.9%-46.6pp | 76.7%-43.4pp | 80.7%-47.4pp |
| Annual return | 19.78% | 21.38%-1.6pp | 20.30%-0.5pp | 172.34%-152.6pp |
| Employer contribution / active EE | $8,580 | $3,533+142.8% | $3,020+184.1% | $4,379+95.9% |
| Participant deferral / active EE | $10,333 | $5,793+78.4% | $5,135+101.2% | $6,730+53.5% |
| Admin fee / account holder | $631 | $15,393-95.9% | $12,742-95.0% | $14,365-95.6% |