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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 | $60,807 | $71,057-14.4% | $93,654-35.1% | $80,874-24.8% |
| Participation rate | 66.0% | 60.4%+5.6pp | 68.7%-2.7pp | 67.6%-1.6pp |
| Annual return | 13.02% | 11.26%+1.8pp | 133.34%-120.3pp | 35.62%-22.6pp |
| Employer contribution / active EE | $3,501 | $1,564+123.9% | $2,421+44.6% | $2,756+27.1% |
| Participant deferral / active EE | $7,416 | $4,034+83.8% | $4,413+68.1% | $4,297+72.6% |
| Admin fee / account holder | $5,265 | $6,944-24.2% | $8,282-36.4% | $6,935-24.1% |