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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 | $173,808 | $251,004-30.8% | $191,597-9.3% | $138,895+25.1% |
| Participation rate | 66.7% | 82.4%-15.7pp | 76.9%-10.3pp | 79.9%-13.3pp |
| Annual return | 14.73% | 31.05%-16.3pp | 27.07%-12.3pp | 145.39%-130.7pp |
| Employer contribution / active EE | $3,056 | $6,226-50.9% | $5,025-39.2% | $4,194-27.1% |
| Participant deferral / active EE | $7,292 | $8,154-10.6% | $6,850+6.5% | $6,396+14.0% |
| Admin fee / account holder | $11,439 | $31,471-63.7% | $22,799-49.8% | $12,562-8.9% |