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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 | $96,731-4.6% | $123,973-25.6% | $86,983+6.1% |
| Participation rate | 52.8% | 70.0%-17.2pp | 76.7%-23.8pp | 69.5%-16.7pp |
| Annual return | 18.62% | 17.33%+1.3pp | 388.13%-369.5pp | 25.83%-7.2pp |
| Employer contribution / active EE | $2,110 | $3,297-36.0% | $4,126-48.9% | $2,584-18.4% |
| Participant deferral / active EE | $5,147 | $4,152+24.0% | $5,247-1.9% | $4,194+22.7% |
| Admin fee / account holder | $4,807 | $8,722-44.9% | $11,799-59.3% | $7,856-38.8% |