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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 | $60,350 | $87,733-31.2% | $106,554-43.4% | $85,851-29.7% |
| Participation rate | 68.3% | 71.9%-3.6pp | 76.1%-7.8pp | 69.3%-1.0pp |
| Annual return | 13.83% | 21.86%-8.0pp | 26.80%-13.0pp | 318.63%-304.8pp |
| Employer contribution / active EE | $3,496 | $2,073+68.7% | $2,819+24.0% | $2,565+36.3% |
| Participant deferral / active EE | $7,389 | $3,469+113.0% | $4,398+68.0% | $3,952+86.9% |
| Admin fee / account holder | $7,913 | $6,767+16.9% | $7,408+6.8% | $6,261+26.4% |