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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 | $11,556 | $57,140-79.8% | $85,240-86.4% | $80,959-85.7% |
| Participation rate | 69.2% | 56.4%+12.8pp | 67.5%+1.7pp | 67.7%+1.6pp |
| Annual return | 13.57% | 21.71%-8.1pp | 66.75%-53.2pp | 35.67%-22.1pp |
| Employer contribution / active EE | $1,840 | $1,802+2.1% | $2,735-32.7% | $2,757-33.3% |
| Participant deferral / active EE | $3,072 | $3,115-1.4% | $4,527-32.1% | $4,300-28.6% |
| Admin fee / account holder | $519 | $4,992-89.6% | $6,165-91.6% | $6,925-92.5% |