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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 | $45,404 | $64,501-29.6% | $108,753-58.3% | $65,306-30.5% |
| Participation rate | 67.3% | 50.8%+16.5pp | 71.1%-3.8pp | 57.7%+9.7pp |
| Annual return | 20.93% | 21.09%-0.2pp | 37.47%-16.5pp | 21.94%-1.0pp |
| Employer contribution / active EE | $1,426 | $1,069+33.4% | $2,427-41.2% | $1,967-27.5% |
| Participant deferral / active EE | $2,899 | $2,401+20.8% | $4,115-29.5% | $2,959-2.0% |
| Admin fee / account holder | $2,916 | $4,971-41.3% | $10,320-71.7% | $3,480-16.2% |