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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 | $31,849 | $55,932-43.1% | $76,735-58.5% | $67,986-53.2% |
| Participation rate | 56.1% | 50.8%+5.3pp | 69.5%-13.4pp | 57.2%-1.1pp |
| Annual return | 14.21% | 23.10%-8.9pp | 29.77%-15.6pp | 31.67%-17.5pp |
| Employer contribution / active EE | $804 | $1,487-45.9% | $2,454-67.2% | $2,019-60.2% |
| Participant deferral / active EE | $2,639 | $2,558+3.2% | $4,088-35.4% | $3,358-21.4% |
| Admin fee / account holder | $3,903 | $4,907-20.5% | $7,189-45.7% | $3,203+21.8% |