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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 | $77,061 | $65,122+18.3% | $135,792-43.3% | $64,097+20.2% |
| Participation rate | 45.0% | 47.1%-2.1pp | 72.6%-27.6pp | 55.2%-10.2pp |
| Annual return | 15.24% | 14.53%+0.7pp | 25.96%-10.7pp | 34.64%-19.4pp |
| Employer contribution / active EE | $1,609 | $1,280+25.6% | $3,496-54.0% | $1,891-15.0% |
| Participant deferral / active EE | $2,932 | $2,219+32.2% | $4,759-38.4% | $3,080-4.8% |
| Admin fee / account holder | $1,832 | $3,120-41.3% | $12,266-85.1% | $3,454-47.0% |