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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 | $45,726 | $45,079+1.4% | $69,461-34.2% | $72,983-37.3% |
| Participation rate | 65.4% | 68.5%-3.1pp | 74.6%-9.2pp | 69.5%-4.1pp |
| Annual return | 21.23% | 22.65%-1.4pp | 28.97%-7.7pp | 81.01%-59.8pp |
| Employer contribution / active EE | $1,180 | $2,055-42.6% | $2,779-57.5% | $2,440-51.6% |
| Participant deferral / active EE | $2,848 | $2,603+9.4% | $3,536-19.5% | $3,608-21.1% |
| Admin fee / account holder | $4,705 | $3,056+54.0% | $3,840+22.5% | $5,124-8.2% |