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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 | $74,447 | $55,684+33.7% | $75,900-1.9% | $72,976+2.0% |
| Participation rate | 48.4% | 61.1%-12.8pp | 69.3%-20.9pp | 69.5%-21.1pp |
| Annual return | 25.53% | 27.60%-2.1pp | 30.73%-5.2pp | 81.02%-55.5pp |
| Employer contribution / active EE | $1,402 | $1,687-16.9% | $2,501-43.9% | $2,440-42.5% |
| Participant deferral / active EE | $3,222 | $2,634+22.3% | $3,604-10.6% | $3,608-10.7% |
| Admin fee / account holder | $5,027 | $3,981+26.3% | $5,421-7.3% | $5,124-1.9% |