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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 | $107,455 | $91,198+17.8% | $178,503-39.8% | $79,856+34.6% |
| Participation rate | 61.4% | 69.2%-7.9pp | 81.9%-20.6pp | 69.6%-8.3pp |
| Annual return | 12.63% | 24.20%-11.6pp | 151.12%-138.5pp | 31.71%-19.1pp |
| Employer contribution / active EE | $854 | $3,257-73.8% | $5,011-83.0% | $2,471-65.4% |
| Participant deferral / active EE | $2,670 | $3,237-17.5% | $5,202-48.7% | $3,741-28.6% |
| Admin fee / account holder | $9,443 | $6,748+39.9% | $13,987-32.5% | $5,306+78.0% |