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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 | $126,006 | $52,380+140.6% | $98,864+27.5% | $85,851+46.8% |
| Participation rate | 57.4% | 58.0%-0.6pp | 65.7%-8.4pp | 69.3%-11.9pp |
| Annual return | 13.16% | 25.82%-12.7pp | 50.03%-36.9pp | 318.63%-305.5pp |
| Employer contribution / active EE | $1,865 | $1,337+39.4% | $2,070-9.9% | $2,565-27.3% |
| Participant deferral / active EE | $4,124 | $2,101+96.3% | $3,037+35.8% | $3,952+4.3% |
| Admin fee / account holder | $2,547 | $3,865-34.1% | $4,080-37.6% | $6,261-59.3% |