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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 | $122,137 | $109,359+11.7% | $162,185-24.7% | $72,976+67.4% |
| Participation rate | 59.5% | 84.3%-24.8pp | 87.6%-28.1pp | 69.5%-10.0pp |
| Annual return | 21.57% | 25.46%-3.9pp | 115.61%-94.0pp | 81.02%-59.4pp |
| Employer contribution / active EE | $2,876 | $3,907-26.4% | $5,613-48.8% | $2,440+17.9% |
| Participant deferral / active EE | $4,679 | $5,481-14.6% | $7,297-35.9% | $3,608+29.7% |
| Admin fee / account holder | $2,975 | $7,972-62.7% | $10,844-72.6% | $5,124-41.9% |