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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 | $96,014 | $78,690+22.0% | $161,489-40.5% | $87,485+9.7% |
| Participation rate | 65.9% | 67.5%-1.6pp | 78.7%-12.8pp | 68.9%-3.1pp |
| Annual return | 15.64% | 32.74%-17.1pp | 89.72%-74.1pp | 26.06%-10.4pp |
| Employer contribution / active EE | $1,485 | $2,588-42.6% | $4,268-65.2% | $2,596-42.8% |
| Participant deferral / active EE | $3,764 | $3,311+13.7% | $5,630-33.1% | $4,274-11.9% |
| Admin fee / account holder | $2,560 | $6,724-61.9% | $16,006-84.0% | $7,775-67.1% |