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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 | $69,507 | $54,380+27.8% | $68,509+1.5% | $59,633+16.6% |
| Participation rate | 69.8% | 70.2%-0.4pp | 74.7%-4.9pp | 68.7%+1.2pp |
| Annual return | 1.77% | 2.83%-1.1pp | 8.27%-6.5pp | 2041.40%-2039.6pp |
| Employer contribution / active EE | $2,356 | $1,539+53.1% | $2,278+3.4% | $2,203+7.0% |
| Participant deferral / active EE | $4,807 | $2,643+81.9% | $3,382+42.1% | $3,192+50.6% |
| Admin fee / account holder | $4,862 | $3,885+25.1% | $5,275-7.8% | $4,297+13.1% |