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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 | $58,425 | $73,978-21.0% | $96,515-39.5% | $75,173-22.3% |
| Participation rate | 61.5% | 66.4%-4.9pp | 74.3%-12.8pp | 67.2%-5.7pp |
| Annual return | 18.64% | 26.72%-8.1pp | 35.73%-17.1pp | 160.72%-142.1pp |
| Employer contribution / active EE | $4,458 | $2,931+52.1% | $3,740+19.2% | $2,671+66.9% |
| Participant deferral / active EE | $7,232 | $3,660+97.6% | $4,880+48.2% | $4,126+75.3% |
| Admin fee / account holder | $608 | $5,219-88.4% | $6,735-91.0% | $5,651-89.2% |