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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 | $73,628 | $67,602+8.9% | $82,312-10.6% | $70,126+5.0% |
| Participation rate | 60.2% | 72.8%-12.5pp | 76.9%-16.7pp | 69.5%-9.3pp |
| Annual return | 17.10% | 21.57%-4.5pp | 25.88%-8.8pp | 73.15%-56.0pp |
| Employer contribution / active EE | $984 | $1,755-43.9% | $2,428-59.5% | $2,343-58.0% |
| Participant deferral / active EE | $1,991 | $2,987-33.3% | $3,706-46.3% | $3,332-40.2% |
| Admin fee / account holder | $4,761 | $4,512+5.5% | $5,608-15.1% | $4,645+2.5% |