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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 | $69,962 | $76,371-8.4% | $93,621-25.3% | $72,976-4.1% |
| Participation rate | 64.5% | 71.8%-7.2pp | 75.8%-11.3pp | 69.5%-5.0pp |
| Annual return | 28.87% | 25.82%+3.1pp | 32.76%-3.9pp | 81.02%-52.1pp |
| Employer contribution / active EE | $1,751 | $2,276-23.1% | $2,719-35.6% | $2,440-28.2% |
| Participant deferral / active EE | $3,683 | $3,538+4.1% | $4,070-9.5% | $3,608+2.1% |
| Admin fee / account holder | $6,558 | $6,839-4.1% | $7,890-16.9% | $5,124+28.0% |