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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 | $86,368 | $81,331+6.2% | $155,534-44.5% | $80,935+6.7% |
| Participation rate | 57.1% | 66.3%-9.1pp | 78.2%-21.1pp | 67.7%-10.5pp |
| Annual return | 12.19% | 33.37%-21.2pp | 64.92%-52.7pp | 35.66%-23.5pp |
| Employer contribution / active EE | $3,525 | $3,105+13.5% | $4,675-24.6% | $2,757+27.9% |
| Participant deferral / active EE | $4,426 | $3,454+28.1% | $5,630-21.4% | $4,299+2.9% |
| Admin fee / account holder | $8,411 | $7,999+5.1% | $15,900-47.1% | $6,924+21.5% |