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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 | $45,356 | $49,791-8.9% | $78,210-42.0% | $70,126-35.3% |
| Participation rate | 65.1% | 62.3%+2.8pp | 68.7%-3.6pp | 69.5%-4.4pp |
| Annual return | 14.53% | 20.75%-6.2pp | 40.90%-26.4pp | 73.15%-58.6pp |
| Employer contribution / active EE | $926 | $1,430-35.2% | $2,034-54.5% | $2,343-60.5% |
| Participant deferral / active EE | $1,991 | $2,150-7.4% | $2,823-29.5% | $3,332-40.2% |
| Admin fee / account holder | $4,445 | $3,181+39.8% | $3,758+18.3% | $4,645-4.3% |