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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 | $30,622 | $81,476-62.4% | $102,383-70.1% | $80,925-62.2% |
| Participation rate | 68.8% | 66.8%+1.9pp | 74.5%-5.8pp | 67.7%+1.1pp |
| Annual return | 16.19% | 25.59%-9.4pp | 24.94%-8.7pp | 35.65%-19.5pp |
| Employer contribution / active EE | $1,386 | $3,105-55.4% | $3,870-64.2% | $2,756-49.7% |
| Participant deferral / active EE | $3,508 | $3,871-9.4% | $5,060-30.7% | $4,299-18.4% |
| Admin fee / account holder | $3,603 | $6,717-46.4% | $8,391-57.1% | $6,940-48.1% |