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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 | $46,491 | $57,119-18.6% | $85,187-45.4% | $80,935-42.6% |
| Participation rate | 63.3% | 56.4%+6.9pp | 67.5%-4.3pp | 67.7%-4.4pp |
| Annual return | 17.80% | 21.70%-3.9pp | 66.67%-48.9pp | 35.66%-17.9pp |
| Employer contribution / active EE | $2,347 | $1,802+30.3% | $2,732-14.1% | $2,757-14.9% |
| Participant deferral / active EE | $5,498 | $3,115+76.5% | $4,525+21.5% | $4,299+27.9% |
| Admin fee / account holder | $3,273 | $4,990-34.4% | $6,162-46.9% | $6,924-52.7% |