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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 | $85,504 | $185,312-53.9% | $161,489-47.1% | $154,746-44.7% |
| Participation rate | 64.7% | 82.5%-17.8pp | 78.7%-14.0pp | 80.7%-16.0pp |
| Annual return | 21.76% | 103.84%-82.1pp | 89.72%-68.0pp | 172.34%-150.6pp |
| Employer contribution / active EE | $6,142 | $4,769+28.8% | $4,268+43.9% | $4,379+40.3% |
| Participant deferral / active EE | $5,024 | $6,350-20.9% | $5,630-10.8% | $6,730-25.4% |
| Admin fee / account holder | $1,453 | $18,654-92.2% | $16,006-90.9% | $14,365-89.9% |