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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 | $61,534 | $81,358-24.4% | $155,556-60.4% | $80,959-24.0% |
| Participation rate | 69.2% | 66.3%+3.0pp | 78.2%-9.0pp | 67.7%+1.6pp |
| Annual return | 11.66% | 33.39%-21.7pp | 64.84%-53.2pp | 35.67%-24.0pp |
| Employer contribution / active EE | $2,338 | $3,106-24.7% | $4,675-50.0% | $2,757-15.2% |
| Participant deferral / active EE | $4,130 | $3,455+19.5% | $5,631-26.7% | $4,300-4.0% |
| Admin fee / account holder | $9,296 | $7,994+16.3% | $15,885-41.5% | $6,925+34.2% |