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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 | $46,433 | $55,713-16.7% | $75,901-38.8% | $72,975-36.4% |
| Participation rate | 68.6% | 61.1%+7.4pp | 69.3%-0.7pp | 69.5%-0.9pp |
| Annual return | 22.71% | 27.60%-4.9pp | 30.76%-8.0pp | 81.01%-58.3pp |
| Employer contribution / active EE | $1,924 | $1,687+14.1% | $2,501-23.1% | $2,440-21.1% |
| Participant deferral / active EE | $5,501 | $2,634+108.9% | $3,603+52.7% | $3,608+52.5% |
| Admin fee / account holder | $6,074 | $3,980+52.6% | $5,420+12.1% | $5,124+18.5% |