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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 | $46,383 | $57,073-18.7% | $85,126-45.5% | $80,925-42.7% |
| Participation rate | 59.6% | 56.4%+3.2pp | 67.5%-7.9pp | 67.7%-8.0pp |
| Annual return | 20.60% | 21.69%-1.1pp | 66.63%-46.0pp | 35.65%-15.1pp |
| Employer contribution / active EE | $1,835 | $1,801+1.9% | $2,731-32.8% | $2,756-33.4% |
| Participant deferral / active EE | $2,477 | $3,113-20.4% | $4,523-45.2% | $4,299-42.4% |
| Admin fee / account holder | $5,290 | $4,988+6.1% | $6,160-14.1% | $6,940-23.8% |