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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 | $100,497 | $87,166+15.3% | $76,735+31.0% | $137,256-26.8% |
| Participation rate | 62.5% | 74.4%-11.9pp | 69.5%-7.0pp | 80.0%-17.5pp |
| Annual return | 17.64% | 26.50%-8.9pp | 29.77%-12.1pp | 220.34%-202.7pp |
| Employer contribution / active EE | $2,016 | $2,904-30.6% | $2,454-17.9% | $4,156-51.5% |
| Participant deferral / active EE | $8,350 | $4,726+76.7% | $4,088+104.3% | $6,407+30.3% |
| Admin fee / account holder | $2,174 | $8,403-74.1% | $7,189-69.8% | $12,270-82.3% |