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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 | $62,732 | $73,787-15.0% | $98,716-36.5% | $82,448-23.9% |
| Participation rate | 68.0% | 61.4%+6.6pp | 69.3%-1.3pp | 68.1%-0.1pp |
| Annual return | 12.72% | 18.57%-5.8pp | 31.81%-19.1pp | 41.64%-28.9pp |
| Employer contribution / active EE | $1,556 | $1,511+3.0% | $2,279-31.7% | $2,551-39.0% |
| Participant deferral / active EE | $2,351 | $3,081-23.7% | $4,048-41.9% | $4,139-43.2% |
| Admin fee / account holder | $4,384 | $6,500-32.6% | $8,703-49.6% | $7,234-39.4% |