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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 | $78,786 | $71,215+10.6% | $93,696-15.9% | $80,935-2.7% |
| Participation rate | 61.3% | 60.4%+0.9pp | 68.7%-7.4pp | 67.7%-6.4pp |
| Annual return | 15.11% | 11.27%+3.8pp | 133.74%-118.6pp | 35.66%-20.5pp |
| Employer contribution / active EE | $2,746 | $1,565+75.4% | $2,422+13.4% | $2,757-0.4% |
| Participant deferral / active EE | $4,996 | $4,037+23.8% | $4,417+13.1% | $4,299+16.2% |
| Admin fee / account holder | $4,177 | $6,958-40.0% | $8,287-49.6% | $6,924-39.7% |