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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 | $77,317 | $76,696+0.8% | $96,538-19.9% | $71,529+8.1% |
| Participation rate | 63.6% | 66.6%-2.9pp | 74.3%-10.7pp | 67.9%-4.3pp |
| Annual return | 14.84% | 48.32%-33.5pp | 35.74%-20.9pp | 28.97%-14.1pp |
| Employer contribution / active EE | $2,780 | $3,032-8.3% | $3,740-25.7% | $2,590+7.3% |
| Participant deferral / active EE | $6,277 | $3,770+66.5% | $4,880+28.6% | $4,291+46.3% |
| Admin fee / account holder | $11,883 | $2,030+485.4% | $6,737+76.4% | $1,588+648.1% |