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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 | $86,303 | $81,262+6.2% | $155,602-44.5% | $80,911+6.7% |
| Participation rate | 66.7% | 66.2%+0.4pp | 78.2%-11.5pp | 67.6%-1.0pp |
| Annual return | 15.11% | 33.34%-18.2pp | 64.81%-49.7pp | 35.63%-20.5pp |
| Employer contribution / active EE | $1,527 | $3,102-50.8% | $4,675-67.3% | $2,756-44.6% |
| Participant deferral / active EE | $3,722 | $3,451+7.8% | $5,629-33.9% | $4,297-13.4% |
| Admin fee / account holder | $1,359 | $7,992-83.0% | $15,923-91.5% | $6,935-80.4% |