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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 | $53,936 | $81,331-33.7% | $155,534-65.3% | $80,935-33.4% |
| Participation rate | 69.6% | 66.3%+3.3pp | 78.2%-8.7pp | 67.7%+1.9pp |
| Annual return | 14.12% | 33.37%-19.2pp | 64.92%-50.8pp | 35.66%-21.5pp |
| Employer contribution / active EE | $1,879 | $3,105-39.5% | $4,675-59.8% | $2,757-31.8% |
| Participant deferral / active EE | $3,519 | $3,454+1.9% | $5,630-37.5% | $4,299-18.1% |
| Admin fee / account holder | $2,001 | $7,999-75.0% | $15,900-87.4% | $6,924-71.1% |