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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 | $95,699 | $96,731-1.1% | $123,973-22.8% | $86,983+10.0% |
| Participation rate | 66.0% | 70.0%-4.0pp | 76.7%-10.6pp | 69.5%-3.5pp |
| Annual return | 21.63% | 17.33%+4.3pp | 388.13%-366.5pp | 25.83%-4.2pp |
| Employer contribution / active EE | $3,421 | $3,297+3.8% | $4,126-17.1% | $2,584+32.4% |
| Participant deferral / active EE | $5,027 | $4,152+21.1% | $5,247-4.2% | $4,194+19.9% |
| Admin fee / account holder | $1,449 | $8,722-83.4% | $11,799-87.7% | $7,856-81.6% |