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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 | $79,317 | $76,834+3.2% | $108,359-26.8% | $87,485-9.3% |
| Participation rate | 64.7% | 61.7%+3.0pp | 70.1%-5.4pp | 68.9%-4.2pp |
| Annual return | 17.38% | 19.09%-1.7pp | 36.89%-19.5pp | 26.06%-8.7pp |
| Employer contribution / active EE | $1,361 | $1,556-12.6% | $2,399-43.3% | $2,596-47.6% |
| Participant deferral / active EE | $2,534 | $3,100-18.3% | $4,137-38.8% | $4,274-40.7% |
| Admin fee / account holder | $2,908 | $6,537-55.5% | $9,741-70.1% | $7,775-62.6% |