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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 | $92,277 | $114,119-19.1% | $107,187-13.9% | $138,895-33.6% |
| Participation rate | 46.2% | 78.1%-31.9pp | 75.0%-28.9pp | 79.9%-33.8pp |
| Annual return | 13.92% | 273.21%-259.3pp | 204.55%-190.6pp | 145.39%-131.5pp |
| Employer contribution / active EE | $2,448 | $4,059-39.7% | $3,782-35.3% | $4,194-41.6% |
| Participant deferral / active EE | $5,179 | $5,538-6.5% | $5,096+1.6% | $6,396-19.0% |
| Admin fee / account holder | $1,208 | $10,024-88.0% | $9,162-86.8% | $12,562-90.4% |