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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 | $66,824 | $81,276-17.8% | $155,574-57.0% | $80,925-17.4% |
| Participation rate | 69.4% | 66.2%+3.2pp | 78.2%-8.8pp | 67.7%+1.8pp |
| Annual return | 11.44% | 33.36%-21.9pp | 64.87%-53.4pp | 35.65%-24.2pp |
| Employer contribution / active EE | $1,757 | $3,103-43.4% | $4,676-62.4% | $2,756-36.3% |
| Participant deferral / active EE | $3,625 | $3,453+5.0% | $5,629-35.6% | $4,299-15.7% |
| Admin fee / account holder | $1,200 | $7,993-85.0% | $15,914-92.5% | $6,940-82.7% |