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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 | $85,560 | $51,466+66.2% | $78,778+8.6% | $62,293+37.4% |
| Participation rate | 63.2% | 59.8%+3.4pp | 69.2%-6.0pp | 69.5%-6.3pp |
| Annual return | 18.58% | 19.96%-1.4pp | 35.62%-17.0pp | 28.90%-10.3pp |
| Employer contribution / active EE | $1,226 | $827+48.2% | $1,986-38.3% | $2,042-40.0% |
| Participant deferral / active EE | $3,121 | $2,147+45.3% | $2,958+5.5% | $3,169-1.5% |
| Admin fee / account holder | $737 | $489+50.5% | $5,134-85.7% | $479+53.7% |