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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 | $64,695 | $73,978-12.5% | $96,515-33.0% | $75,173-13.9% |
| Participation rate | 69.0% | 66.4%+2.5pp | 74.3%-5.4pp | 67.2%+1.8pp |
| Annual return | 18.78% | 26.72%-7.9pp | 35.73%-16.9pp | 160.72%-141.9pp |
| Employer contribution / active EE | $2,607 | $2,931-11.0% | $3,740-30.3% | $2,671-2.4% |
| Participant deferral / active EE | $5,727 | $3,660+56.5% | $4,880+17.4% | $4,126+38.8% |
| Admin fee / account holder | $3,645 | $5,219-30.2% | $6,735-45.9% | $5,651-35.5% |