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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 | $101,763-24.3% | $164,866-53.2% | $80,874-4.7% |
| Participation rate | 65.6% | 71.8%-6.2pp | 78.6%-13.0pp | 67.6%-2.0pp |
| Annual return | 37.82% | 16.73%+21.1pp | 69.97%-32.2pp | 35.62%+2.2pp |
| Employer contribution / active EE | $3,953 | $2,954+33.8% | $4,343-9.0% | $2,756+43.5% |
| Participant deferral / active EE | $6,002 | $4,477+34.1% | $6,033-0.5% | $4,297+39.7% |
| Admin fee / account holder | $1,729 | $8,228-79.0% | $12,689-86.4% | $6,935-75.1% |