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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 | $68,124 | $115,225-40.9% | $100,712-32.4% | $138,895-51.0% |
| Participation rate | 66.7% | 74.3%-7.7pp | 69.3%-2.6pp | 79.9%-13.3pp |
| Annual return | 25.51% | 40.35%-14.8pp | 33.27%-7.8pp | 145.39%-119.9pp |
| Employer contribution / active EE | $1,631 | $2,771-41.1% | $2,313-29.5% | $4,194-61.1% |
| Participant deferral / active EE | $7,366 | $4,699+56.7% | $4,085+80.3% | $6,396+15.2% |
| Admin fee / account holder | $1,356 | $10,844-87.5% | $9,256-85.4% | $12,562-89.2% |