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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 | $104,557 | $65,367+60.0% | $92,915+12.5% | $72,976+43.3% |
| Participation rate | 58.6% | 68.3%-9.7pp | 76.0%-17.4pp | 69.5%-10.9pp |
| Annual return | 18.52% | 42.11%-23.6pp | 109.45%-90.9pp | 81.02%-62.5pp |
| Employer contribution / active EE | $6,034 | $2,594+132.7% | $3,653+65.2% | $2,440+147.3% |
| Participant deferral / active EE | $1,726 | $3,128-44.8% | $4,238-59.3% | $3,608-52.2% |
| Admin fee / account holder | $2,625 | $4,251-38.2% | $5,796-54.7% | $5,124-48.8% |