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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 | $91,217 | $73,978+23.3% | $96,515-5.5% | $75,173+21.3% |
| Participation rate | 61.8% | 66.4%-4.6pp | 74.3%-12.5pp | 67.2%-5.4pp |
| Annual return | 15.94% | 26.72%-10.8pp | 35.73%-19.8pp | 160.72%-144.8pp |
| Employer contribution / active EE | $11,488 | $2,931+292.0% | $3,740+207.2% | $2,671+330.1% |
| Participant deferral / active EE | $2,847 | $3,660-22.2% | $4,880-41.7% | $4,126-31.0% |
| Admin fee / account holder | $4,185 | $5,219-19.8% | $6,735-37.9% | $5,651-25.9% |