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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 | $80,489 | $73,978+8.8% | $96,515-16.6% | $75,173+7.1% |
| Participation rate | 64.3% | 66.4%-2.1pp | 74.3%-10.1pp | 67.2%-2.9pp |
| Annual return | 17.33% | 26.72%-9.4pp | 35.73%-18.4pp | 160.72%-143.4pp |
| Employer contribution / active EE | $2,391 | $2,931-18.4% | $3,740-36.1% | $2,671-10.5% |
| Participant deferral / active EE | $5,701 | $3,660+55.8% | $4,880+16.8% | $4,126+38.2% |
| Admin fee / account holder | $1,612 | $5,219-69.1% | $6,735-76.1% | $5,651-71.5% |