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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 | $68,925 | $58,848+17.1% | $88,179-21.8% | $82,637-16.6% |
| Participation rate | 62.3% | 57.9%+4.4pp | 69.1%-6.9pp | 68.1%-5.8pp |
| Annual return | 50.74% | 22.76%+28.0pp | 64.97%-14.2pp | 53.51%-2.8pp |
| Employer contribution / active EE | $2,269 | $1,678+35.2% | $2,549-11.0% | $2,552-11.1% |
| Participant deferral / active EE | $5,939 | $3,124+90.1% | $4,614+28.7% | $4,126+43.9% |
| Admin fee / account holder | $5,798 | $4,795+20.9% | $7,673-24.4% | $7,339-21.0% |