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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 | $74,131 | $57,541+28.8% | $95,740-22.6% | $75,173-1.4% |
| Participation rate | 64.5% | 62.5%+2.0pp | 72.3%-7.7pp | 67.2%-2.7pp |
| Annual return | 14.78% | 34.93%-20.1pp | 28.41%-13.6pp | 160.72%-145.9pp |
| Employer contribution / active EE | $961 | $1,808-46.8% | $2,836-66.1% | $2,671-64.0% |
| Participant deferral / active EE | $4,440 | $3,074+44.5% | $4,244+4.6% | $4,126+7.6% |
| Admin fee / account holder | $961 | $4,099-76.6% | $5,676-83.1% | $5,651-83.0% |