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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 | $77,898 | $73,988+5.3% | $96,538-19.3% | $75,177+3.6% |
| Participation rate | 38.5% | 66.4%-28.0pp | 74.3%-35.9pp | 67.2%-28.7pp |
| Annual return | 42.97% | 26.73%+16.2pp | 35.74%+7.2pp | 160.75%-117.8pp |
| Employer contribution / active EE | $2,753 | $2,930-6.1% | $3,740-26.4% | $2,671+3.1% |
| Participant deferral / active EE | $5,004 | $3,660+36.7% | $4,880+2.5% | $4,126+21.3% |
| Admin fee / account holder | $3,782 | $5,220-27.5% | $6,737-43.9% | $5,651-33.1% |