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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 | $45,389 | $71,057-36.1% | $93,654-51.5% | $80,874-43.9% |
| Participation rate | 67.5% | 60.4%+7.1pp | 68.7%-1.3pp | 67.6%-0.2pp |
| Annual return | 12.48% | 11.26%+1.2pp | 133.34%-120.9pp | 35.62%-23.1pp |
| Employer contribution / active EE | $2,167 | $1,564+38.5% | $2,421-10.5% | $2,756-21.4% |
| Participant deferral / active EE | $3,000 | $4,034-25.6% | $4,413-32.0% | $4,297-30.2% |
| Admin fee / account holder | $9,550 | $6,944+37.5% | $8,282+15.3% | $6,935+37.7% |