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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 | $63,010 | $51,604+22.1% | $129,295-51.3% | $80,874-22.1% |
| Participation rate | 59.4% | 57.0%+2.4pp | 69.6%-10.2pp | 67.6%-8.3pp |
| Annual return | 14.33% | 20.76%-6.4pp | 9429.28%-9414.9pp | 35.62%-21.3pp |
| Employer contribution / active EE | $1,499 | $1,585-5.4% | $4,157-64.0% | $2,756-45.6% |
| Participant deferral / active EE | $3,485 | $2,670+30.5% | $4,169-16.4% | $4,297-18.9% |
| Admin fee / account holder | $626 | $4,310-85.5% | $7,665-91.8% | $6,935-91.0% |