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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 | $31,970 | $63,809-49.9% | $81,353-60.7% | $80,935-60.5% |
| Participation rate | 69.2% | 63.9%+5.3pp | 69.5%-0.3pp | 67.7%+1.6pp |
| Annual return | 16.12% | 16.37%-0.3pp | 24.82%-8.7pp | 35.66%-19.5pp |
| Employer contribution / active EE | $1,871 | $1,981-5.5% | $2,464-24.1% | $2,757-32.1% |
| Participant deferral / active EE | $4,689 | $3,093+51.6% | $3,885+20.7% | $4,299+9.1% |
| Admin fee / account holder | $2,088 | $5,686-63.3% | $5,766-63.8% | $6,924-69.8% |