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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 | $77,079 | $101,795-24.3% | $165,100-53.3% | $80,959-4.8% |
| Participation rate | 65.6% | 71.8%-6.2pp | 78.6%-13.0pp | 67.7%-2.0pp |
| Annual return | 37.82% | 16.73%+21.1pp | 70.21%-32.4pp | 35.67%+2.1pp |
| Employer contribution / active EE | $3,953 | $2,954+33.8% | $4,348-9.1% | $2,757+43.4% |
| Participant deferral / active EE | $6,002 | $4,476+34.1% | $6,035-0.5% | $4,300+39.6% |
| Admin fee / account holder | $1,729 | $8,221-79.0% | $12,696-86.4% | $6,925-75.0% |