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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 | $57,623 | $65,582-12.1% | $64,101-10.1% | $71,511-19.4% |
| Participation rate | 41.4% | 73.2%-31.8pp | 72.3%-30.9pp | 67.9%-26.5pp |
| Annual return | 20.01% | 18.96%+1.0pp | 33.72%-13.7pp | 28.86%-8.8pp |
| Employer contribution / active EE | $1,322 | $2,671-50.5% | $2,749-51.9% | $2,589-48.9% |
| Participant deferral / active EE | $4,226 | $3,628+16.5% | $3,881+8.9% | $4,291-1.5% |
| Admin fee / account holder | $421 | $616-31.7% | $3,070-86.3% | $1,588-73.5% |