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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 | $52,682-39.5% | $78,004-59.2% | $64,097-50.3% |
| Participation rate | 56.1% | 47.7%+8.4pp | 69.4%-13.4pp | 55.2%+0.9pp |
| Annual return | 14.21% | 22.45%-8.2pp | 31.07%-16.9pp | 34.64%-20.4pp |
| Employer contribution / active EE | $804 | $1,323-39.2% | $2,469-67.4% | $1,891-57.5% |
| Participant deferral / active EE | $2,639 | $2,346+12.5% | $4,092-35.5% | $3,080-14.3% |
| Admin fee / account holder | $3,903 | $5,420-28.0% | $7,578-48.5% | $3,454+13.0% |