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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 | $49,601 | $81,457-39.1% | $103,378-52.0% | $80,911-38.7% |
| Participation rate | 68.9% | 66.8%+2.0pp | 74.5%-5.6pp | 67.6%+1.2pp |
| Annual return | 12.60% | 25.58%-13.0pp | 24.91%-12.3pp | 35.63%-23.0pp |
| Employer contribution / active EE | $2,435 | $3,107-21.6% | $3,870-37.1% | $2,756-11.6% |
| Participant deferral / active EE | $4,017 | $3,871+3.8% | $5,058-20.6% | $4,297-6.5% |
| Admin fee / account holder | $2,481 | $6,717-63.1% | $8,401-70.5% | $6,935-64.2% |