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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 | $45,354 | $58,512-22.5% | $84,020-46.0% | $72,983-37.9% |
| Participation rate | 64.6% | 61.2%+3.4pp | 69.0%-4.4pp | 69.5%-4.9pp |
| Annual return | 20.57% | 28.93%-8.4pp | 71.31%-50.7pp | 81.01%-60.4pp |
| Employer contribution / active EE | $1,332 | $1,163+14.5% | $1,984-32.9% | $2,440-45.4% |
| Participant deferral / active EE | $3,026 | $2,394+26.4% | $3,239-6.6% | $3,608-16.1% |
| Admin fee / account holder | $2,666 | $4,569-41.6% | $6,101-56.3% | $5,124-48.0% |