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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 | $138,418 | $124,980+10.8% | $108,359+27.7% | $154,746-10.6% |
| Participation rate | 68.4% | 75.2%-6.7pp | 70.1%-1.7pp | 80.7%-12.3pp |
| Annual return | 21.51% | 45.00%-23.5pp | 36.89%-15.4pp | 172.34%-150.8pp |
| Employer contribution / active EE | $1,326 | $2,851-53.5% | $2,399-44.7% | $4,379-69.7% |
| Participant deferral / active EE | $5,846 | $4,743+23.3% | $4,137+41.3% | $6,730-13.1% |
| Admin fee / account holder | $10,217 | $11,502-11.2% | $9,741+4.9% | $14,365-28.9% |