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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 | $76,407+25.7% | $150,298-36.1% | $82,448+16.5% |
| Participation rate | 65.9% | 66.4%-0.5pp | 77.8%-11.9pp | 68.1%-2.2pp |
| Annual return | 15.64% | 39.99%-24.4pp | 62.79%-47.1pp | 41.64%-26.0pp |
| Employer contribution / active EE | $1,485 | $2,614-43.2% | $4,154-64.3% | $2,551-41.8% |
| Participant deferral / active EE | $3,764 | $3,214+17.1% | $5,453-31.0% | $4,139-9.1% |
| Admin fee / account holder | $2,560 | $6,352-59.7% | $14,116-81.9% | $7,234-64.6% |