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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 | $76,930 | $59,440+29.4% | $78,004-1.4% | $82,637-6.9% |
| Participation rate | 64.9% | 62.8%+2.1pp | 69.4%-4.5pp | 68.1%-3.1pp |
| Annual return | 14.41% | 40.24%-25.8pp | 31.07%-16.7pp | 53.51%-39.1pp |
| Employer contribution / active EE | $5,336 | $1,750+204.9% | $2,469+116.2% | $2,552+109.1% |
| Participant deferral / active EE | $2,657 | $3,138-15.4% | $4,092-35.1% | $4,126-35.6% |
| Admin fee / account holder | $7,542 | $5,504+37.0% | $7,578-0.5% | $7,339+2.8% |