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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 | $58,848+50.5% | $88,179+0.5% | $82,637+7.2% |
| Participation rate | 65.5% | 57.9%+7.6pp | 69.1%-3.6pp | 68.1%-2.5pp |
| Annual return | 19.06% | 22.76%-3.7pp | 64.97%-45.9pp | 53.51%-34.4pp |
| Employer contribution / active EE | $6,238 | $1,678+271.6% | $2,549+144.7% | $2,552+144.4% |
| Participant deferral / active EE | $4,486 | $3,124+43.6% | $4,614-2.8% | $4,126+8.7% |
| Admin fee / account holder | $1,605 | $4,795-66.5% | $7,673-79.1% | $7,339-78.1% |