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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 | $77,574+2.2% | $108,753-27.1% | $86,983-8.8% |
| Participation rate | 64.7% | 62.3%+2.4pp | 71.1%-6.4pp | 69.5%-4.8pp |
| Annual return | 17.38% | 18.42%-1.0pp | 37.47%-20.1pp | 25.83%-8.4pp |
| Employer contribution / active EE | $1,361 | $1,611-15.5% | $2,427-43.9% | $2,584-47.3% |
| Participant deferral / active EE | $2,534 | $3,128-19.0% | $4,115-38.4% | $4,194-39.6% |
| Admin fee / account holder | $2,908 | $6,529-55.5% | $10,320-71.8% | $7,856-63.0% |