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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 | $81,890 | $54,541+50.1% | $78,778+4.0% | $70,126+16.8% |
| Participation rate | 68.4% | 60.8%+7.6pp | 69.2%-0.8pp | 69.5%-1.1pp |
| Annual return | 19.79% | 21.07%-1.3pp | 35.62%-15.8pp | 73.15%-53.4pp |
| Employer contribution / active EE | $448 | $1,089-58.8% | $1,986-77.4% | $2,343-80.9% |
| Participant deferral / active EE | $1,747 | $2,210-21.0% | $2,958-41.0% | $3,332-47.6% |
| Admin fee / account holder | $393 | $3,709-89.4% | $5,134-92.3% | $4,645-91.5% |