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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 | $81,262+6.3% | $155,602-44.5% | $80,911+6.7% |
| Participation rate | 57.1% | 66.2%-9.1pp | 78.2%-21.1pp | 67.6%-10.5pp |
| Annual return | 12.19% | 33.34%-21.2pp | 64.81%-52.6pp | 35.63%-23.4pp |
| Employer contribution / active EE | $3,525 | $3,102+13.6% | $4,675-24.6% | $2,756+27.9% |
| Participant deferral / active EE | $4,426 | $3,451+28.2% | $5,629-21.4% | $4,297+3.0% |
| Admin fee / account holder | $8,411 | $7,992+5.2% | $15,923-47.2% | $6,935+21.3% |