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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 | $72,442 | $77,901-7.0% | $149,717-51.6% | $75,181-3.6% |
| Participation rate | 69.0% | 65.6%+3.4pp | 78.8%-9.8pp | 67.2%+1.8pp |
| Annual return | 15.94% | 31.73%-15.8pp | 134.41%-118.5pp | 160.69%-144.7pp |
| Employer contribution / active EE | $1,815 | $3,137-42.1% | $4,820-62.3% | $2,671-32.0% |
| Participant deferral / active EE | $3,716 | $3,411+8.9% | $5,682-34.6% | $4,126-9.9% |
| Admin fee / account holder | $1,592 | $5,949-73.2% | $13,213-88.0% | $5,650-71.8% |