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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 | $73,161 | $65,027+12.5% | $90,970-19.6% | $79,852-8.4% |
| Participation rate | 66.0% | 61.6%+4.3pp | 69.0%-3.1pp | 69.6%-3.7pp |
| Annual return | 22.67% | 30.45%-7.8pp | 134.58%-111.9pp | 31.72%-9.0pp |
| Employer contribution / active EE | $1,965 | $1,247+57.6% | $2,122-7.4% | $2,471-20.5% |
| Participant deferral / active EE | $3,137 | $2,512+24.9% | $3,373-7.0% | $3,740-16.1% |
| Admin fee / account holder | $2,832 | $4,535-37.6% | $5,960-52.5% | $5,306-46.6% |