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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 | $83,899 | $77,896+7.7% | $134,172-37.5% | $82,448+1.8% |
| Participation rate | 69.0% | 62.8%+6.3pp | 72.5%-3.4pp | 68.1%+1.0pp |
| Annual return | 16.73% | 18.21%-1.5pp | 25.30%-8.6pp | 41.64%-24.9pp |
| Employer contribution / active EE | $1,805 | $2,159-16.4% | $3,420-47.2% | $2,551-29.2% |
| Participant deferral / active EE | $3,202 | $3,162+1.3% | $4,690-31.7% | $4,139-22.6% |
| Admin fee / account holder | $3,135 | $6,336-50.5% | $12,016-73.9% | $7,234-56.7% |