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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 | $28,423 | $55,684-49.0% | $75,900-62.6% | $72,976-61.1% |
| Participation rate | 67.6% | 61.1%+6.4pp | 69.3%-1.7pp | 69.5%-1.9pp |
| Annual return | 31.76% | 27.60%+4.2pp | 30.73%+1.0pp | 81.02%-49.3pp |
| Employer contribution / active EE | $3,898 | $1,687+131.1% | $2,501+55.9% | $2,440+59.8% |
| Participant deferral / active EE | $3,940 | $2,634+49.6% | $3,604+9.3% | $3,608+9.2% |
| Admin fee / account holder | $1,910 | $3,981-52.0% | $5,421-64.8% | $5,124-62.7% |