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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 | $73,267 | $54,763+33.8% | $90,324-18.9% | $72,976+0.4% |
| Participation rate | 63.8% | 65.2%-1.4pp | 73.3%-9.5pp | 69.5%-5.7pp |
| Annual return | 19.95% | 30.63%-10.7pp | 78.15%-58.2pp | 81.02%-61.1pp |
| Employer contribution / active EE | $1,443 | $2,093-31.1% | $2,856-49.5% | $2,440-40.9% |
| Participant deferral / active EE | $4,151 | $2,887+43.8% | $3,885+6.8% | $3,608+15.1% |
| Admin fee / account holder | $2,025 | $3,973-49.0% | $5,356-62.2% | $5,124-60.5% |