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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 | $23,128 | $73,787-68.7% | $98,716-76.6% | $82,448-71.9% |
| Participation rate | 54.2% | 61.4%-7.2pp | 69.3%-15.1pp | 68.1%-13.9pp |
| Annual return | 17.10% | 18.57%-1.5pp | 31.81%-14.7pp | 41.64%-24.5pp |
| Employer contribution / active EE | $1,722 | $1,511+13.9% | $2,279-24.4% | $2,551-32.5% |
| Participant deferral / active EE | $2,370 | $3,081-23.1% | $4,048-41.4% | $4,139-42.7% |
| Admin fee / account holder | $2,004 | $6,500-69.2% | $8,703-77.0% | $7,234-72.3% |