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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 | $73,329 | $58,493+25.4% | $84,023-12.7% | $72,976+0.5% |
| Participation rate | 53.6% | 61.2%-7.6pp | 69.0%-15.4pp | 69.5%-15.9pp |
| Annual return | 29.52% | 28.93%+0.6pp | 71.32%-41.8pp | 81.02%-51.5pp |
| Employer contribution / active EE | $1,356 | $1,163+16.6% | $1,984-31.6% | $2,440-44.4% |
| Participant deferral / active EE | $5,836 | $2,394+143.8% | $3,239+80.2% | $3,608+61.8% |
| Admin fee / account holder | $6,681 | $4,569+46.2% | $6,102+9.5% | $5,124+30.4% |