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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 | $82,265 | $81,358+1.1% | $155,556-47.1% | $80,959+1.6% |
| Participation rate | 69.2% | 66.3%+3.0pp | 78.2%-9.0pp | 67.7%+1.6pp |
| Annual return | 11.98% | 33.39%-21.4pp | 64.84%-52.9pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,755 | $3,106-43.5% | $4,675-62.5% | $2,757-36.3% |
| Participant deferral / active EE | $2,831 | $3,455-18.1% | $5,631-49.7% | $4,300-34.2% |
| Admin fee / account holder | $9,247 | $7,994+15.7% | $15,885-41.8% | $6,925+33.5% |