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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 | $138,312-25.0% | $122,979-15.7% | $155,188-33.2% |
| Participation rate | 33.3% | 80.2%-46.9pp | 77.2%-43.9pp | 80.8%-47.5pp |
| Annual return | 19.78% | 22.06%-2.3pp | 20.12%-0.3pp | 148.84%-129.1pp |
| Employer contribution / active EE | $8,580 | $3,530+143.0% | $3,062+180.2% | $4,248+102.0% |
| Participant deferral / active EE | $10,333 | $5,592+84.8% | $5,003+106.5% | $6,531+58.2% |
| Admin fee / account holder | $631 | $15,089-95.8% | $12,864-95.1% | $14,480-95.6% |