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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 | $57,061-79.7% | $85,063-86.4% | $80,911-85.7% |
| Participation rate | 69.2% | 56.3%+12.9pp | 67.5%+1.7pp | 67.6%+1.6pp |
| Annual return | 13.57% | 21.66%-8.1pp | 66.54%-53.0pp | 35.63%-22.1pp |
| Employer contribution / active EE | $1,840 | $1,799+2.3% | $2,727-32.5% | $2,756-33.2% |
| Participant deferral / active EE | $3,072 | $3,110-1.2% | $4,523-32.1% | $4,297-28.5% |
| Admin fee / account holder | $519 | $4,986-89.6% | $6,155-91.6% | $6,935-92.5% |