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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 | $129,207 | $81,358+58.8% | $155,556-16.9% | $80,959+59.6% |
| Participation rate | 51.5% | 66.3%-14.8pp | 78.2%-26.7pp | 67.7%-16.2pp |
| Annual return | 12.27% | 33.39%-21.1pp | 64.84%-52.6pp | 35.67%-23.4pp |
| Employer contribution / active EE | $3,966 | $3,106+27.7% | $4,675-15.2% | $2,757+43.8% |
| Participant deferral / active EE | $3,311 | $3,455-4.2% | $5,631-41.2% | $4,300-23.0% |
| Admin fee / account holder | $17,702 | $7,994+121.5% | $15,885+11.4% | $6,925+155.6% |