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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 | $43,520 | $59,839-27.3% | $81,991-46.9% | $79,852-45.5% |
| Participation rate | 63.6% | 61.6%+2.0pp | 69.3%-5.6pp | 69.6%-6.0pp |
| Annual return | 19.12% | 17.56%+1.6pp | 41.31%-22.2pp | 31.72%-12.6pp |
| Employer contribution / active EE | $762 | $1,713-55.5% | $2,498-69.5% | $2,471-69.2% |
| Participant deferral / active EE | $3,296 | $2,695+22.3% | $3,722-11.4% | $3,740-11.9% |
| Admin fee / account holder | $4,338 | $4,287+1.2% | $5,665-23.4% | $5,306-18.2% |