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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 | $73,406 | $97,648-24.8% | $121,663-39.7% | $87,485-16.1% |
| Participation rate | 68.4% | 70.5%-2.1pp | 74.5%-6.1pp | 68.9%-0.5pp |
| Annual return | 36.54% | 18.03%+18.5pp | 147.54%-111.0pp | 26.06%+10.5pp |
| Employer contribution / active EE | $2,707 | $2,300+17.7% | $3,020-10.4% | $2,596+4.3% |
| Participant deferral / active EE | $4,837 | $3,923+23.3% | $4,887-1.0% | $4,274+13.2% |
| Admin fee / account holder | $1,348 | $11,100-87.9% | $14,289-90.6% | $7,775-82.7% |