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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 | $65,326 | $64,359+1.5% | $90,161-27.5% | $70,124-6.8% |
| Participation rate | 64.7% | 70.4%-5.7pp | 76.9%-12.2pp | 69.5%-4.8pp |
| Annual return | 18.66% | 28.13%-9.5pp | 34.89%-16.2pp | 73.14%-54.5pp |
| Employer contribution / active EE | $5,594 | $2,046+173.5% | $3,318+68.6% | $2,342+138.8% |
| Participant deferral / active EE | $7,933 | $4,389+80.7% | $5,287+50.0% | $3,332+138.1% |
| Admin fee / account holder | $10,876 | $3,945+175.7% | $5,943+83.0% | $4,645+134.1% |