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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 | $33,006 | $57,119-42.2% | $85,187-61.3% | $80,935-59.2% |
| Participation rate | 64.5% | 56.4%+8.1pp | 67.5%-3.0pp | 67.7%-3.1pp |
| Annual return | 13.50% | 21.70%-8.2pp | 66.67%-53.2pp | 35.66%-22.2pp |
| Employer contribution / active EE | $1,556 | $1,802-13.6% | $2,732-43.0% | $2,757-43.5% |
| Participant deferral / active EE | $3,021 | $3,115-3.0% | $4,525-33.2% | $4,299-29.7% |
| Admin fee / account holder | $634 | $4,990-87.3% | $6,162-89.7% | $6,924-90.8% |