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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 | $153,293 | $88,996+72.2% | $78,004+96.5% | $138,895+10.4% |
| Participation rate | 62.5% | 74.4%-11.9pp | 69.4%-6.9pp | 79.9%-17.4pp |
| Annual return | 13.40% | 28.03%-14.6pp | 31.07%-17.7pp | 145.39%-132.0pp |
| Employer contribution / active EE | $1,446 | $2,917-50.4% | $2,469-41.4% | $4,194-65.5% |
| Participant deferral / active EE | $5,963 | $4,724+26.2% | $4,092+45.7% | $6,396-6.8% |
| Admin fee / account holder | $1,736 | $8,807-80.3% | $7,578-77.1% | $12,562-86.2% |