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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 | $93,976 | $80,992+16.0% | $96,534-2.6% | $75,173+25.0% |
| Participation rate | 59.3% | 71.8%-12.5pp | 76.0%-16.7pp | 67.2%-7.9pp |
| Annual return | 17.89% | 27.05%-9.2pp | 25.88%-8.0pp | 160.72%-142.8pp |
| Employer contribution / active EE | $962 | $2,283-57.8% | $2,965-67.5% | $2,671-64.0% |
| Participant deferral / active EE | $3,286 | $3,929-16.4% | $4,851-32.3% | $4,126-20.4% |
| Admin fee / account holder | $1,796 | $6,717-73.3% | $8,253-78.2% | $5,651-68.2% |