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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 | $88,841 | $78,670+12.9% | $109,173-18.6% | $85,847+3.5% |
| Participation rate | 64.1% | 68.3%-4.2pp | 75.9%-11.8pp | 69.3%-5.2pp |
| Annual return | 13.20% | 25.09%-11.9pp | 25.75%-12.6pp | 318.61%-305.4pp |
| Employer contribution / active EE | $3,653 | $2,734+33.6% | $3,723-1.9% | $2,565+42.4% |
| Participant deferral / active EE | $3,850 | $3,467+11.0% | $4,654-17.3% | $3,952-2.6% |
| Admin fee / account holder | $1,690 | $5,469-69.1% | $6,755-75.0% | $6,261-73.0% |