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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 | $37,011 | $81,487-54.6% | $102,412-63.9% | $80,935-54.3% |
| Participation rate | 68.6% | 66.8%+1.7pp | 74.5%-5.9pp | 67.7%+0.9pp |
| Annual return | 17.11% | 25.60%-8.5pp | 24.94%-7.8pp | 35.66%-18.5pp |
| Employer contribution / active EE | $2,630 | $3,103-15.2% | $3,870-32.0% | $2,757-4.6% |
| Participant deferral / active EE | $5,795 | $3,871+49.7% | $5,060+14.5% | $4,299+34.8% |
| Admin fee / account holder | $7,303 | $6,717+8.7% | $8,388-12.9% | $6,924+5.5% |