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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 | $92,255 | $93,345-1.2% | $119,126-22.6% | $87,485+5.5% |
| Participation rate | 52.8% | 68.7%-15.9pp | 75.8%-22.9pp | 68.9%-16.1pp |
| Annual return | 18.62% | 19.08%-0.5pp | 282.11%-263.5pp | 26.06%-7.4pp |
| Employer contribution / active EE | $2,110 | $3,172-33.5% | $4,034-47.7% | $2,596-18.7% |
| Participant deferral / active EE | $5,147 | $4,099+25.6% | $5,318-3.2% | $4,274+20.4% |
| Admin fee / account holder | $4,807 | $8,039-40.2% | $10,693-55.0% | $7,775-38.2% |