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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 | $56,534 | $76,407-26.0% | $150,298-62.4% | $82,448-31.4% |
| Participation rate | 69.0% | 66.4%+2.6pp | 77.8%-8.8pp | 68.1%+0.9pp |
| Annual return | 38.02% | 39.99%-2.0pp | 62.79%-24.8pp | 41.64%-3.6pp |
| Employer contribution / active EE | $2,665 | $2,614+2.0% | $4,154-35.8% | $2,551+4.5% |
| Participant deferral / active EE | $7,167 | $3,214+123.0% | $5,453+31.4% | $4,139+73.1% |
| Admin fee / account holder | $675 | $6,352-89.4% | $14,116-95.2% | $7,234-90.7% |