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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 | $95,699 | $93,345+2.5% | $119,126-19.7% | $87,485+9.4% |
| Participation rate | 66.0% | 68.7%-2.7pp | 75.8%-9.7pp | 68.9%-2.9pp |
| Annual return | 21.63% | 19.08%+2.5pp | 282.11%-260.5pp | 26.06%-4.4pp |
| Employer contribution / active EE | $3,421 | $3,172+7.9% | $4,034-15.2% | $2,596+31.8% |
| Participant deferral / active EE | $5,027 | $4,099+22.7% | $5,318-5.5% | $4,274+17.6% |
| Admin fee / account holder | $1,449 | $8,039-82.0% | $10,693-86.5% | $7,775-81.4% |