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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 | $74,558 | $65,364+14.1% | $92,909-19.8% | $72,975+2.2% |
| Participation rate | 63.3% | 68.3%-5.0pp | 76.0%-12.7pp | 69.5%-6.2pp |
| Annual return | 18.98% | 42.11%-23.1pp | 109.44%-90.5pp | 81.01%-62.0pp |
| Employer contribution / active EE | $2,625 | $2,594+1.2% | $3,653-28.2% | $2,440+7.6% |
| Participant deferral / active EE | $5,078 | $3,128+62.3% | $4,238+19.8% | $3,608+40.7% |
| Admin fee / account holder | $12,598 | $4,251+196.3% | $5,795+117.4% | $5,124+145.9% |