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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 | $65,952 | $73,787-10.6% | $98,716-33.2% | $82,448-20.0% |
| Participation rate | 69.4% | 61.4%+8.0pp | 69.3%+0.1pp | 68.1%+1.3pp |
| Annual return | 15.02% | 18.57%-3.5pp | 31.81%-16.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $2,892 | $1,511+91.4% | $2,279+26.9% | $2,551+13.4% |
| Participant deferral / active EE | $5,170 | $3,081+67.8% | $4,048+27.7% | $4,139+24.9% |
| Admin fee / account holder | $9,391 | $6,500+44.5% | $8,703+7.9% | $7,234+29.8% |