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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 | $87,403 | $65,367+33.7% | $92,915-5.9% | $72,976+19.8% |
| Participation rate | 67.7% | 68.3%-0.6pp | 76.0%-8.3pp | 69.5%-1.7pp |
| Annual return | 19.79% | 42.11%-22.3pp | 109.45%-89.7pp | 81.02%-61.2pp |
| Employer contribution / active EE | $1,829 | $2,594-29.5% | $3,653-49.9% | $2,440-25.0% |
| Participant deferral / active EE | $3,093 | $3,128-1.1% | $4,238-27.0% | $3,608-14.3% |
| Admin fee / account holder | $2,139 | $4,251-49.7% | $5,796-63.1% | $5,124-58.3% |