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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 | $98,152 | $90,486+8.5% | $78,676+24.8% | $273,972-64.2% |
| Participation rate | 60.0% | 76.5%-16.5pp | 73.6%-13.6pp | 83.0%-23.0pp |
| Annual return | 6.67% | 75.62%-68.9pp | 62.19%-55.5pp | 41.46%-34.8pp |
| Employer contribution / active EE | $1,702 | $3,175-46.4% | $2,850-40.3% | $4,869-65.0% |
| Participant deferral / active EE | $6,016 | $3,901+54.2% | $3,517+71.1% | $5,287+13.8% |
| Admin fee / account holder | $797 | $5,263-84.9% | $4,510-82.3% | $10,133-92.1% |