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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 | $57,037 | $65,246-12.6% | $98,716-42.2% | $67,986-16.1% |
| Participation rate | 68.3% | 51.4%+16.9pp | 69.3%-1.0pp | 57.2%+11.1pp |
| Annual return | 18.93% | 20.58%-1.6pp | 31.81%-12.9pp | 31.67%-12.7pp |
| Employer contribution / active EE | $1,312 | $1,042+25.9% | $2,279-42.4% | $2,019-35.0% |
| Participant deferral / active EE | $3,602 | $2,594+38.9% | $4,048-11.0% | $3,358+7.3% |
| Admin fee / account holder | $1,307 | $4,561-71.3% | $8,703-85.0% | $3,203-59.2% |