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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 | $104,767 | $114,119-8.2% | $107,187-2.3% | $138,895-24.6% |
| Participation rate | 37.5% | 78.1%-40.6pp | 75.0%-37.5pp | 79.9%-42.4pp |
| Annual return | 16.31% | 273.21%-256.9pp | 204.55%-188.2pp | 145.39%-129.1pp |
| Employer contribution / active EE | $2,084 | $4,059-48.7% | $3,782-44.9% | $4,194-50.3% |
| Participant deferral / active EE | $5,644 | $5,538+1.9% | $5,096+10.8% | $6,396-11.8% |
| Admin fee / account holder | $650 | $10,024-93.5% | $9,162-92.9% | $12,562-94.8% |