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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 | $71,215-14.6% | $93,696-35.1% | $80,935-24.9% |
| Participation rate | 66.0% | 60.4%+5.6pp | 68.7%-2.7pp | 67.7%-1.7pp |
| Annual return | 13.02% | 11.27%+1.8pp | 133.74%-120.7pp | 35.66%-22.6pp |
| Employer contribution / active EE | $3,501 | $1,565+123.7% | $2,422+44.6% | $2,757+27.0% |
| Participant deferral / active EE | $7,416 | $4,037+83.7% | $4,417+67.9% | $4,299+72.5% |
| Admin fee / account holder | $5,265 | $6,958-24.3% | $8,287-36.5% | $6,924-24.0% |