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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 | $82,431 | $64,920+27.0% | $103,693-20.5% | $86,983-5.2% |
| Participation rate | 64.4% | 63.6%+0.8pp | 72.6%-8.3pp | 69.5%-5.2pp |
| Annual return | 16.17% | 30.29%-14.1pp | 47.61%-31.4pp | 25.83%-9.7pp |
| Employer contribution / active EE | $1,047 | $2,141-51.1% | $2,920-64.2% | $2,584-59.5% |
| Participant deferral / active EE | $4,191 | $3,241+29.3% | $4,579-8.5% | $4,194-0.1% |
| Admin fee / account holder | $3,798 | $6,191-38.7% | $7,858-51.7% | $7,856-51.7% |