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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 | $98,446 | $91,559+7.5% | $133,978-26.5% | $79,856+23.3% |
| Participation rate | 67.5% | 73.3%-5.8pp | 79.8%-12.3pp | 69.6%-2.1pp |
| Annual return | 11.88% | 61.85%-50.0pp | 45.10%-33.2pp | 31.71%-19.8pp |
| Employer contribution / active EE | $1,527 | $2,384-36.0% | $3,919-61.0% | $2,471-38.2% |
| Participant deferral / active EE | $4,651 | $3,734+24.6% | $5,047-7.9% | $3,741+24.3% |
| Admin fee / account holder | $1,539 | $6,321-75.7% | $8,930-82.8% | $5,306-71.0% |