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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 | $124,404 | $81,276+53.1% | $155,574-20.0% | $80,925+53.7% |
| Participation rate | 61.7% | 66.2%-4.5pp | 78.2%-16.5pp | 67.7%-5.9pp |
| Annual return | 14.18% | 33.36%-19.2pp | 64.87%-50.7pp | 35.65%-21.5pp |
| Employer contribution / active EE | $7,925 | $3,103+155.4% | $4,676+69.5% | $2,756+187.5% |
| Participant deferral / active EE | $4,599 | $3,453+33.2% | $5,629-18.3% | $4,299+7.0% |
| Admin fee / account holder | $1,681 | $7,993-79.0% | $15,914-89.4% | $6,940-75.8% |