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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 | $119,252 | $114,013+4.6% | $103,693+15.0% | $155,188-23.2% |
| Participation rate | 60.0% | 75.2%-15.2pp | 72.6%-12.6pp | 80.8%-20.8pp |
| Annual return | 17.40% | 49.31%-31.9pp | 47.61%-30.2pp | 148.84%-131.4pp |
| Employer contribution / active EE | $1,403 | $3,131-55.2% | $2,920-52.0% | $4,248-67.0% |
| Participant deferral / active EE | $7,456 | $4,970+50.0% | $4,579+62.8% | $6,531+14.2% |
| Admin fee / account holder | $776 | $8,407-90.8% | $7,858-90.1% | $14,480-94.6% |