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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 | $35,452 | $56,894-37.7% | $84,753-58.2% | $62,881-43.6% |
| Participation rate | 67.4% | 68.5%-1.1pp | 76.6%-9.2pp | 69.3%-1.9pp |
| Annual return | 19.31% | 6.30%+13.0pp | 22.78%-3.5pp | 20.14%-0.8pp |
| Employer contribution / active EE | $2,262 | $2,400-5.7% | $3,574-36.7% | $2,281-0.8% |
| Participant deferral / active EE | $4,780 | $2,709+76.4% | $3,712+28.8% | $3,203+49.2% |
| Admin fee / account holder | $1,206 | $3,581-66.3% | $5,333-77.4% | $4,296-71.9% |