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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 | $64,669 | $71,208-9.2% | $93,681-31.0% | $80,911-20.1% |
| Participation rate | 66.0% | 60.4%+5.6pp | 68.7%-2.7pp | 67.6%-1.6pp |
| Annual return | 23.12% | 11.27%+11.9pp | 133.47%-110.3pp | 35.63%-12.5pp |
| Employer contribution / active EE | $1,221 | $1,564-21.9% | $2,422-49.6% | $2,756-55.7% |
| Participant deferral / active EE | $2,113 | $4,035-47.6% | $4,415-52.1% | $4,297-50.8% |
| Admin fee / account holder | $1,964 | $6,951-71.7% | $8,290-76.3% | $6,935-71.7% |