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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 | $82,875 | $76,551+8.3% | $123,894-33.1% | $62,881+31.8% |
| Participation rate | 65.6% | 73.0%-7.4pp | 81.4%-15.8pp | 69.3%-3.7pp |
| Annual return | 25.81% | 18.68%+7.1pp | 47.52%-21.7pp | 20.14%+5.7pp |
| Employer contribution / active EE | $1,430 | $2,882-50.4% | $4,617-69.0% | $2,281-37.3% |
| Participant deferral / active EE | $5,384 | $4,840+11.3% | $5,984-10.0% | $3,203+68.1% |
| Admin fee / account holder | $1,526 | $4,826-68.4% | $8,357-81.7% | $4,296-64.5% |