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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 | $47,378 | $56,544-16.2% | $75,501-37.2% | $70,126-32.4% |
| Participation rate | 69.4% | 68.1%+1.3pp | 72.4%-2.9pp | 69.5%-0.1pp |
| Annual return | 23.36% | 23.59%-0.2pp | 27.35%-4.0pp | 73.15%-49.8pp |
| Employer contribution / active EE | $1,972 | $1,817+8.5% | $2,352-16.2% | $2,343-15.8% |
| Participant deferral / active EE | $3,412 | $2,580+32.3% | $3,142+8.6% | $3,332+2.4% |
| Admin fee / account holder | $1,845 | $3,827-51.8% | $5,801-68.2% | $4,645-60.3% |