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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 | $94,965 | $107,421-11.6% | $182,262-47.9% | $94,015+1.0% |
| Participation rate | 57.9% | 77.8%-19.9pp | 84.2%-26.3pp | 70.8%-12.9pp |
| Annual return | 13.89% | 21.32%-7.4pp | 140.60%-126.7pp | 17.84%-4.0pp |
| Employer contribution / active EE | $2,977 | $3,448-13.6% | $5,046-41.0% | $2,790+6.7% |
| Participant deferral / active EE | $4,877 | $6,558-25.6% | $8,276-41.1% | $4,249+14.8% |
| Admin fee / account holder | $1,429 | $8,692-83.6% | $16,712-91.4% | $8,951-84.0% |