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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 | $77,596 | $81,457-4.7% | $103,378-24.9% | $80,911-4.1% |
| Participation rate | 69.8% | 66.8%+3.0pp | 74.5%-4.7pp | 67.6%+2.2pp |
| Annual return | 13.74% | 25.58%-11.8pp | 24.91%-11.2pp | 35.63%-21.9pp |
| Employer contribution / active EE | $4,035 | $3,107+29.9% | $3,870+4.3% | $2,756+46.4% |
| Participant deferral / active EE | $7,595 | $3,871+96.2% | $5,058+50.2% | $4,297+76.8% |
| Admin fee / account holder | $4,001 | $6,717-40.4% | $8,401-52.4% | $6,935-42.3% |