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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 | $172,111-50.3% | $150,298-43.1% | $137,256-37.7% |
| Participation rate | 64.7% | 81.7%-17.0pp | 77.8%-13.1pp | 80.0%-15.3pp |
| Annual return | 21.76% | 69.37%-47.6pp | 62.79%-41.0pp | 220.34%-198.6pp |
| Employer contribution / active EE | $6,142 | $4,636+32.5% | $4,154+47.9% | $4,156+47.8% |
| Participant deferral / active EE | $5,024 | $6,166-18.5% | $5,453-7.9% | $6,407-21.6% |
| Admin fee / account holder | $1,453 | $16,471-91.2% | $14,116-89.7% | $12,270-88.2% |