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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 | $79,859 | $63,809+25.2% | $81,353-1.8% | $80,935-1.3% |
| Participation rate | 68.6% | 63.9%+4.7pp | 69.5%-1.0pp | 67.7%+0.9pp |
| Annual return | 12.42% | 16.37%-4.0pp | 24.82%-12.4pp | 35.66%-23.2pp |
| Employer contribution / active EE | $4,030 | $1,981+103.4% | $2,464+63.6% | $2,757+46.2% |
| Participant deferral / active EE | $6,578 | $3,093+112.7% | $3,885+69.3% | $4,299+53.0% |
| Admin fee / account holder | $2,138 | $5,686-62.4% | $5,766-62.9% | $6,924-69.1% |