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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 | $26,212 | $81,476-67.8% | $102,383-74.4% | $80,925-67.6% |
| Participation rate | 58.4% | 66.8%-8.4pp | 74.5%-16.1pp | 67.7%-9.2pp |
| Annual return | 25.44% | 25.59%-0.2pp | 24.94%+0.5pp | 35.65%-10.2pp |
| Employer contribution / active EE | $2,042 | $3,105-34.2% | $3,870-47.2% | $2,756-25.9% |
| Participant deferral / active EE | $3,662 | $3,871-5.4% | $5,060-27.6% | $4,299-14.8% |
| Admin fee / account holder | $3,699 | $6,717-44.9% | $8,391-55.9% | $6,940-46.7% |