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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 | $61,932 | $80,781-23.3% | $102,437-39.5% | $74,478-16.8% |
| Participation rate | 69.0% | 65.7%+3.4pp | 74.5%-5.5pp | 67.2%+1.8pp |
| Annual return | 13.97% | 27.58%-13.6pp | 24.95%-11.0pp | 1370.56%-1356.6pp |
| Employer contribution / active EE | $2,652 | $3,160-16.1% | $3,871-31.5% | $2,626+1.0% |
| Participant deferral / active EE | $5,428 | $3,862+40.5% | $5,060+7.3% | $4,350+24.8% |
| Admin fee / account holder | $948 | $2,372-60.0% | $8,388-88.7% | $1,946-51.3% |