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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 | $47,060 | $63,809-26.2% | $81,353-42.2% | $80,935-41.9% |
| Participation rate | 65.4% | 63.9%+1.5pp | 69.5%-4.2pp | 67.7%-2.3pp |
| Annual return | 13.81% | 16.37%-2.6pp | 24.82%-11.0pp | 35.66%-21.9pp |
| Employer contribution / active EE | $2,574 | $1,981+29.9% | $2,464+4.5% | $2,757-6.6% |
| Participant deferral / active EE | $5,618 | $3,093+81.6% | $3,885+44.6% | $4,299+30.7% |
| Admin fee / account holder | $10,423 | $5,686+83.3% | $5,766+80.7% | $6,924+50.5% |