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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 | $80,731-23.3% | $103,378-40.1% | $74,400-16.8% |
| Participation rate | 69.0% | 65.7%+3.3pp | 74.5%-5.5pp | 67.2%+1.8pp |
| Annual return | 13.97% | 27.56%-13.6pp | 24.91%-10.9pp | 1367.51%-1353.5pp |
| Employer contribution / active EE | $2,652 | $3,159-16.1% | $3,870-31.5% | $2,624+1.0% |
| Participant deferral / active EE | $5,428 | $3,862+40.6% | $5,058+7.3% | $4,348+24.8% |
| Admin fee / account holder | $948 | $2,369-60.0% | $8,401-88.7% | $1,944-51.2% |