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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 | $81,907 | $50,972+60.7% | $88,632-7.6% | $72,976+12.2% |
| Participation rate | 64.4% | 63.4%+1.0pp | 68.8%-4.4pp | 69.5%-5.1pp |
| Annual return | 27.21% | 29.62%-2.4pp | 43.75%-16.5pp | 81.02%-53.8pp |
| Employer contribution / active EE | $1,921 | $1,475+30.3% | $2,101-8.5% | $2,440-21.3% |
| Participant deferral / active EE | $4,340 | $2,230+94.6% | $2,917+48.8% | $3,608+20.3% |
| Admin fee / account holder | $540 | $3,230-83.3% | $4,308-87.5% | $5,124-89.5% |