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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 | $57,140-18.8% | $85,240-45.6% | $80,959-42.7% |
| Participation rate | 59.6% | 56.4%+3.2pp | 67.5%-7.9pp | 67.7%-8.1pp |
| Annual return | 20.60% | 21.71%-1.1pp | 66.75%-46.2pp | 35.67%-15.1pp |
| Employer contribution / active EE | $1,835 | $1,802+1.8% | $2,735-32.9% | $2,757-33.5% |
| Participant deferral / active EE | $2,477 | $3,115-20.5% | $4,527-45.3% | $4,300-42.4% |
| Admin fee / account holder | $5,290 | $4,992+6.0% | $6,165-14.2% | $6,925-23.6% |