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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 | $70,273 | $81,358-13.6% | $155,556-54.8% | $80,959-13.2% |
| Participation rate | 65.6% | 66.3%-0.6pp | 78.2%-12.6pp | 67.7%-2.0pp |
| Annual return | 12.86% | 33.39%-20.5pp | 64.84%-52.0pp | 35.67%-22.8pp |
| Employer contribution / active EE | $5,379 | $3,106+73.1% | $4,675+15.0% | $2,757+95.1% |
| Participant deferral / active EE | $3,924 | $3,455+13.6% | $5,631-30.3% | $4,300-8.8% |
| Admin fee / account holder | $1,263 | $7,994-84.2% | $15,885-92.1% | $6,925-81.8% |