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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 | $63,904+12.7% | $89,340-19.4% | $67,986+6.0% |
| Participation rate | 69.1% | 54.3%+14.7pp | 69.6%-0.5pp | 57.2%+11.9pp |
| Annual return | 13.65% | 18.09%-4.4pp | 20.57%-6.9pp | 31.67%-18.0pp |
| Employer contribution / active EE | $1,724 | $1,627+5.9% | $2,231-22.7% | $2,019-14.6% |
| Participant deferral / active EE | $3,572 | $2,691+32.7% | $3,823-6.6% | $3,358+6.4% |
| Admin fee / account holder | $4,525 | $3,315+36.5% | $6,704-32.5% | $3,203+41.3% |