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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 | $66,459 | $65,364+1.7% | $92,909-28.5% | $72,975-8.9% |
| Participation rate | 50.8% | 68.3%-17.5pp | 76.0%-25.2pp | 69.5%-18.7pp |
| Annual return | 20.87% | 42.11%-21.2pp | 109.44%-88.6pp | 81.01%-60.1pp |
| Employer contribution / active EE | $1,759 | $2,594-32.2% | $3,653-51.8% | $2,440-27.9% |
| Participant deferral / active EE | $7,006 | $3,128+124.0% | $4,238+65.3% | $3,608+94.2% |
| Admin fee / account holder | $4,084 | $4,251-3.9% | $5,795-29.5% | $5,124-20.3% |