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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 | $84,165 | $81,331+3.5% | $155,534-45.9% | $80,935+4.0% |
| Participation rate | 65.7% | 66.3%-0.5pp | 78.2%-12.5pp | 67.7%-1.9pp |
| Annual return | 15.57% | 33.37%-17.8pp | 64.92%-49.3pp | 35.66%-20.1pp |
| Employer contribution / active EE | $1,832 | $3,105-41.0% | $4,675-60.8% | $2,757-33.5% |
| Participant deferral / active EE | $3,772 | $3,454+9.2% | $5,630-33.0% | $4,299-12.3% |
| Admin fee / account holder | $2,992 | $7,999-62.6% | $15,900-81.2% | $6,924-56.8% |