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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 | $63,220 | $74,535-15.2% | $100,712-37.2% | $82,637-23.5% |
| Participation rate | 68.3% | 61.2%+7.1pp | 69.3%-1.0pp | 68.1%+0.2pp |
| Annual return | 20.26% | 18.92%+1.3pp | 33.27%-13.0pp | 53.51%-33.2pp |
| Employer contribution / active EE | $2,520 | $1,503+67.7% | $2,313+9.0% | $2,552-1.2% |
| Participant deferral / active EE | $2,243 | $3,074-27.0% | $4,085-45.1% | $4,126-45.6% |
| Admin fee / account holder | $6,484 | $6,576-1.4% | $9,256-29.9% | $7,339-11.6% |