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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 | $47,195 | $74,535-36.7% | $100,712-53.1% | $82,637-42.9% |
| Participation rate | 69.4% | 61.2%+8.2pp | 69.3%+0.1pp | 68.1%+1.3pp |
| Annual return | 15.70% | 18.92%-3.2pp | 33.27%-17.6pp | 53.51%-37.8pp |
| Employer contribution / active EE | $833 | $1,503-44.5% | $2,313-64.0% | $2,552-67.3% |
| Participant deferral / active EE | $2,484 | $3,074-19.2% | $4,085-39.2% | $4,126-39.8% |
| Admin fee / account holder | $4,454 | $6,576-32.3% | $9,256-51.9% | $7,339-39.3% |