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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 | $45,094 | $58,627-23.1% | $76,735-41.2% | $82,448-45.3% |
| Participation rate | 59.5% | 63.2%-3.8pp | 69.5%-10.0pp | 68.1%-8.6pp |
| Annual return | 19.45% | 39.10%-19.7pp | 29.77%-10.3pp | 41.64%-22.2pp |
| Employer contribution / active EE | $2,321 | $1,729+34.2% | $2,454-5.4% | $2,551-9.0% |
| Participant deferral / active EE | $4,122 | $3,134+31.6% | $4,088+0.8% | $4,139-0.4% |
| Admin fee / account holder | $4,222 | $5,323-20.7% | $7,189-41.3% | $7,234-41.6% |