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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 | $104,106 | $87,132+19.5% | $105,624-1.4% | $80,959+28.6% |
| Participation rate | 62.7% | 70.4%-7.7pp | 75.3%-12.5pp | 67.7%-4.9pp |
| Annual return | 11.61% | 17.03%-5.4pp | 116.20%-104.6pp | 35.67%-24.1pp |
| Employer contribution / active EE | $2,094 | $2,397-12.6% | $3,168-33.9% | $2,757-24.1% |
| Participant deferral / active EE | $4,364 | $3,985+9.5% | $5,013-12.9% | $4,300+1.5% |
| Admin fee / account holder | $5,583 | $8,449-33.9% | $10,961-49.1% | $6,925-19.4% |