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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 | $64,469 | $60,442+6.7% | $96,754-33.4% | $87,485-26.3% |
| Participation rate | 58.6% | 58.7%-0.1pp | 70.3%-11.7pp | 68.9%-10.3pp |
| Annual return | 21.14% | 21.97%-0.8pp | 82.04%-60.9pp | 26.06%-4.9pp |
| Employer contribution / active EE | $2,033 | $1,691+20.2% | $2,679-24.1% | $2,596-21.7% |
| Participant deferral / active EE | $3,316 | $3,280+1.1% | $4,758-30.3% | $4,274-22.4% |
| Admin fee / account holder | $369 | $5,069-92.7% | $8,905-95.9% | $7,775-95.2% |