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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 | $71,802 | $63,904+12.4% | $89,340-19.6% | $67,986+5.6% |
| Participation rate | 45.2% | 54.3%-9.2pp | 69.6%-24.4pp | 57.2%-12.0pp |
| Annual return | 16.71% | 18.09%-1.4pp | 20.57%-3.9pp | 31.67%-15.0pp |
| Employer contribution / active EE | $1,957 | $1,627+20.3% | $2,231-12.3% | $2,019-3.1% |
| Participant deferral / active EE | $3,066 | $2,691+13.9% | $3,823-19.8% | $3,358-8.7% |
| Admin fee / account holder | $683 | $3,315-79.4% | $6,704-89.8% | $3,203-78.7% |