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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 | $88,580 | $58,057+52.6% | $97,032-8.7% | $86,983+1.8% |
| Participation rate | 65.5% | 60.4%+5.2pp | 71.6%-6.0pp | 69.5%-4.0pp |
| Annual return | 19.06% | 22.26%-3.2pp | 35.38%-16.3pp | 25.83%-6.8pp |
| Employer contribution / active EE | $6,238 | $1,663+275.0% | $2,629+137.3% | $2,584+141.4% |
| Participant deferral / active EE | $4,486 | $3,244+38.3% | $4,672-4.0% | $4,194+7.0% |
| Admin fee / account holder | $1,605 | $4,839-66.8% | $9,418-83.0% | $7,856-79.6% |