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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 | $96,774 | $83,485+15.9% | $125,195-22.7% | $72,976+32.6% |
| Participation rate | 68.0% | 73.3%-5.3pp | 79.8%-11.8pp | 69.5%-1.5pp |
| Annual return | 30.98% | 25.77%+5.2pp | 43.79%-12.8pp | 81.02%-50.0pp |
| Employer contribution / active EE | $1,727 | $2,346-26.4% | $3,866-55.3% | $2,440-29.2% |
| Participant deferral / active EE | $6,367 | $3,586+77.5% | $4,937+29.0% | $3,608+76.5% |
| Admin fee / account holder | $25,075 | $5,518+354.4% | $9,704+158.4% | $5,124+389.4% |