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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 | $77,570 | $73,978+4.9% | $96,515-19.6% | $75,173+3.2% |
| Participation rate | 69.5% | 66.4%+3.1pp | 74.3%-4.9pp | 67.2%+2.3pp |
| Annual return | 21.35% | 26.72%-5.4pp | 35.73%-14.4pp | 160.72%-139.4pp |
| Employer contribution / active EE | $3,027 | $2,931+3.3% | $3,740-19.0% | $2,671+13.3% |
| Participant deferral / active EE | $9,764 | $3,660+166.8% | $4,880+100.1% | $4,126+136.6% |
| Admin fee / account holder | $2,006 | $5,219-61.6% | $6,735-70.2% | $5,651-64.5% |