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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 | $64,734+11.3% | $90,796-20.7% | $64,097+12.4% |
| Participation rate | 69.1% | 53.2%+15.9pp | 69.5%-0.4pp | 55.2%+13.9pp |
| Annual return | 13.65% | 17.77%-4.1pp | 19.29%-5.6pp | 34.64%-21.0pp |
| Employer contribution / active EE | $1,724 | $1,703+1.2% | $2,294-24.8% | $1,891-8.9% |
| Participant deferral / active EE | $3,572 | $2,629+35.8% | $3,822-6.5% | $3,080+16.0% |
| Admin fee / account holder | $4,525 | $3,474+30.3% | $7,024-35.6% | $3,454+31.0% |