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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 | $86,654 | $71,230+21.7% | $93,727-7.5% | $80,959+7.0% |
| Participation rate | 68.3% | 60.4%+7.9pp | 68.7%-0.4pp | 67.7%+0.6pp |
| Annual return | 14.04% | 11.26%+2.8pp | 133.83%-119.8pp | 35.67%-21.6pp |
| Employer contribution / active EE | $2,289 | $1,565+46.2% | $2,421-5.5% | $2,757-17.0% |
| Participant deferral / active EE | $5,479 | $4,037+35.7% | $4,417+24.0% | $4,300+27.4% |
| Admin fee / account holder | $9,556 | $6,961+37.3% | $8,292+15.2% | $6,925+38.0% |