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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 | $69,432 | $37,446+85.4% | $77,513-10.4% | $79,852-13.0% |
| Participation rate | 61.5% | 41.5%+20.0pp | 54.2%+7.3pp | 69.6%-8.1pp |
| Annual return | 26.04% | 39.76%-13.7pp | 54.81%-28.8pp | 31.72%-5.7pp |
| Employer contribution / active EE | $883 | $637+38.6% | $987-10.5% | $2,471-64.3% |
| Participant deferral / active EE | $1,774 | $1,261+40.7% | $1,861-4.7% | $3,740-52.6% |
| Admin fee / account holder | $3,268 | $2,506+30.4% | $2,859+14.3% | $5,306-38.4% |