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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 | $86,261 | $69,977+23.3% | $108,582-20.6% | $62,881+37.2% |
| Participation rate | 64.7% | 72.9%-8.2pp | 79.6%-14.9pp | 69.3%-4.6pp |
| Annual return | 8.33% | 10.73%-2.4pp | -51.70%+60.0pp | 20.14%-11.8pp |
| Employer contribution / active EE | $1,991 | $2,135-6.8% | $3,758-47.0% | $2,281-12.7% |
| Participant deferral / active EE | $4,294 | $3,165+35.7% | $4,311-0.4% | $3,203+34.1% |
| Admin fee / account holder | $8,507 | $5,076+67.6% | $7,645+11.3% | $4,296+98.0% |