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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 | $124,980-45.5% | $108,359-37.1% | $154,746-56.0% |
| Participation rate | 66.7% | 75.2%-8.5pp | 70.1%-3.5pp | 80.7%-14.0pp |
| Annual return | 25.51% | 45.00%-19.5pp | 36.89%-11.4pp | 172.34%-146.8pp |
| Employer contribution / active EE | $1,631 | $2,851-42.8% | $2,399-32.0% | $4,379-62.8% |
| Participant deferral / active EE | $7,366 | $4,743+55.3% | $4,137+78.1% | $6,730+9.4% |
| Admin fee / account holder | $1,356 | $11,502-88.2% | $9,741-86.1% | $14,365-90.6% |