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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 | $70,662 | $37,446+88.7% | $77,552-8.9% | $79,856-11.5% |
| Participation rate | 65.1% | 41.5%+23.6pp | 54.2%+10.9pp | 69.6%-4.5pp |
| Annual return | 16.26% | 39.76%-23.5pp | 54.82%-38.6pp | 31.71%-15.5pp |
| Employer contribution / active EE | $741 | $637+16.3% | $987-24.9% | $2,471-70.0% |
| Participant deferral / active EE | $929 | $1,261-26.4% | $1,861-50.1% | $3,741-75.2% |
| Admin fee / account holder | $991 | $2,506-60.5% | $2,859-65.4% | $5,306-81.3% |