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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 | $21,885 | $54,541-59.9% | $78,778-72.2% | $70,126-68.8% |
| Participation rate | 65.6% | 60.8%+4.8pp | 69.2%-3.6pp | 69.5%-3.9pp |
| Annual return | 17.56% | 21.07%-3.5pp | 35.62%-18.1pp | 73.15%-55.6pp |
| Employer contribution / active EE | $811 | $1,089-25.5% | $1,986-59.2% | $2,343-65.4% |
| Participant deferral / active EE | $1,946 | $2,210-11.9% | $2,958-34.2% | $3,332-41.6% |
| Admin fee / account holder | $586 | $3,709-84.2% | $5,134-88.6% | $4,645-87.4% |