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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 | $127,320 | $81,358+56.5% | $155,556-18.2% | $80,959+57.3% |
| Participation rate | 62.5% | 66.3%-3.8pp | 78.2%-15.7pp | 67.7%-5.2pp |
| Annual return | 12.40% | 33.39%-21.0pp | 64.84%-52.4pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,894 | $3,106-39.0% | $4,675-59.5% | $2,757-31.3% |
| Participant deferral / active EE | $4,227 | $3,455+22.3% | $5,631-24.9% | $4,300-1.7% |
| Admin fee / account holder | $1,878 | $7,994-76.5% | $15,885-88.2% | $6,925-72.9% |