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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 | $78,805 | $58,493+34.7% | $84,021-6.2% | $72,975+8.0% |
| Participation rate | 62.5% | 61.2%+1.3pp | 69.0%-6.5pp | 69.5%-7.0pp |
| Annual return | 21.62% | 28.93%-7.3pp | 71.32%-49.7pp | 81.01%-59.4pp |
| Employer contribution / active EE | $2,420 | $1,163+108.1% | $1,984+22.0% | $2,440-0.8% |
| Participant deferral / active EE | $4,497 | $2,394+87.9% | $3,239+38.8% | $3,608+24.7% |
| Admin fee / account holder | $334 | $4,569-92.7% | $6,102-94.5% | $5,124-93.5% |