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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 | $44,059 | $58,493-24.7% | $84,023-47.6% | $72,976-39.6% |
| Participation rate | 68.8% | 61.2%+7.5pp | 69.0%-0.3pp | 69.5%-0.7pp |
| Annual return | 20.39% | 28.93%-8.5pp | 71.32%-50.9pp | 81.02%-60.6pp |
| Employer contribution / active EE | $1,750 | $1,163+50.5% | $1,984-11.8% | $2,440-28.3% |
| Participant deferral / active EE | $3,259 | $2,394+36.2% | $3,239+0.6% | $3,608-9.7% |
| Admin fee / account holder | $1,505 | $4,569-67.1% | $6,102-75.3% | $5,124-70.6% |