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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 | $45,702 | $73,787-38.1% | $98,716-53.7% | $82,448-44.6% |
| Participation rate | 63.3% | 61.4%+1.9pp | 69.3%-6.0pp | 68.1%-4.7pp |
| Annual return | 14.29% | 18.57%-4.3pp | 31.81%-17.5pp | 41.64%-27.3pp |
| Employer contribution / active EE | $2,103 | $1,511+39.2% | $2,279-7.7% | $2,551-17.6% |
| Participant deferral / active EE | $3,706 | $3,081+20.3% | $4,048-8.4% | $4,139-10.5% |
| Admin fee / account holder | $1,010 | $6,500-84.5% | $8,703-88.4% | $7,234-86.0% |