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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 | $102,332 | $89,259+14.6% | $107,187-4.5% | $82,637+23.8% |
| Participation rate | 60.0% | 67.9%-7.9pp | 75.0%-15.0pp | 68.1%-8.1pp |
| Annual return | 13.73% | 21.02%-7.3pp | 204.55%-190.8pp | 53.51%-39.8pp |
| Employer contribution / active EE | $2,248 | $3,080-27.0% | $3,782-40.6% | $2,552-11.9% |
| Participant deferral / active EE | $4,773 | $4,037+18.2% | $5,096-6.3% | $4,126+15.7% |
| Admin fee / account holder | $8,109 | $7,381+9.9% | $9,162-11.5% | $7,339+10.5% |