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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 | $57,073-79.8% | $85,126-86.4% | $80,925-85.7% |
| Participation rate | 69.2% | 56.4%+12.8pp | 67.5%+1.7pp | 67.7%+1.6pp |
| Annual return | 13.57% | 21.69%-8.1pp | 66.63%-53.1pp | 35.65%-22.1pp |
| Employer contribution / active EE | $1,840 | $1,801+2.2% | $2,731-32.6% | $2,756-33.3% |
| Participant deferral / active EE | $3,072 | $3,113-1.3% | $4,523-32.1% | $4,299-28.5% |
| Admin fee / account holder | $519 | $4,988-89.6% | $6,160-91.6% | $6,940-92.5% |