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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 | $64,934 | $57,828+12.3% | $117,039-44.5% | $70,124-7.4% |
| Participation rate | 62.5% | 67.1%-4.6pp | 77.2%-14.7pp | 69.5%-7.0pp |
| Annual return | 19.11% | 17.55%+1.6pp | 18.95%+0.2pp | 73.14%-54.0pp |
| Employer contribution / active EE | $1,373 | $1,816-24.4% | $3,785-63.7% | $2,342-41.4% |
| Participant deferral / active EE | $2,549 | $2,438+4.6% | $3,929-35.1% | $3,332-23.5% |
| Admin fee / account holder | $1,448 | $3,548-59.2% | $5,974-75.8% | $4,645-68.8% |