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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 | $137,042 | $88,672+54.5% | $105,223+30.2% | $82,448+66.2% |
| Participation rate | 62.5% | 67.9%-5.4pp | 75.0%-12.5pp | 68.1%-5.6pp |
| Annual return | 17.40% | 30.86%-13.5pp | 180.65%-163.2pp | 41.64%-24.2pp |
| Employer contribution / active EE | $1,694 | $3,048-44.4% | $3,689-54.1% | $2,551-33.6% |
| Participant deferral / active EE | $4,438 | $4,036+10.0% | $5,072-12.5% | $4,139+7.2% |
| Admin fee / account holder | $706 | $7,146-90.1% | $8,859-92.0% | $7,234-90.2% |