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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 | $92,514 | $141,001-34.4% | $112,228-17.6% | $139,487-33.7% |
| Participation rate | 62.5% | 79.2%-16.7pp | 72.4%-9.9pp | 80.3%-17.8pp |
| Annual return | 26.08% | 32.75%-6.7pp | 30.23%-4.2pp | 373.84%-347.8pp |
| Employer contribution / active EE | $2,393 | $4,285-44.1% | $3,432-30.3% | $4,755-49.7% |
| Participant deferral / active EE | $8,920 | $5,877+51.8% | $4,800+85.8% | $6,713+32.9% |
| Admin fee / account holder | $811 | $9,959-91.9% | $7,752-89.5% | $11,407-92.9% |