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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 | $72,039 | $67,776+6.3% | $90,312-20.2% | $65,306+10.3% |
| Participation rate | 69.1% | 58.1%+11.0pp | 72.9%-3.8pp | 57.7%+11.4pp |
| Annual return | 13.65% | 16.62%-3.0pp | 18.90%-5.3pp | 21.94%-8.3pp |
| Employer contribution / active EE | $1,724 | $2,195-21.5% | $2,243-23.1% | $1,967-12.4% |
| Participant deferral / active EE | $3,572 | $2,641+35.2% | $3,749-4.7% | $2,959+20.7% |
| Admin fee / account holder | $4,525 | $3,322+36.2% | $8,248-45.1% | $3,480+30.0% |