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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 | $49,540 | $56,894-12.9% | $84,753-41.5% | $62,881-21.2% |
| Participation rate | 69.2% | 68.5%+0.7pp | 76.6%-7.4pp | 69.3%-0.1pp |
| Annual return | 13.02% | 6.30%+6.7pp | 22.78%-9.8pp | 20.14%-7.1pp |
| Employer contribution / active EE | $512 | $2,400-78.7% | $3,574-85.7% | $2,281-77.5% |
| Participant deferral / active EE | $2,371 | $2,709-12.5% | $3,712-36.1% | $3,203-26.0% |
| Admin fee / account holder | $1,855 | $3,581-48.2% | $5,333-65.2% | $4,296-56.8% |