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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 | $25,243 | $57,073-55.8% | $85,126-70.3% | $80,925-68.8% |
| Participation rate | 54.3% | 56.4%-2.1pp | 67.5%-13.2pp | 67.7%-13.3pp |
| Annual return | 28.30% | 21.69%+6.6pp | 66.63%-38.3pp | 35.65%-7.4pp |
| Employer contribution / active EE | $1,594 | $1,801-11.5% | $2,731-41.7% | $2,756-42.2% |
| Participant deferral / active EE | $2,839 | $3,113-8.8% | $4,523-37.2% | $4,299-34.0% |
| Admin fee / account holder | $3,778 | $4,988-24.3% | $6,160-38.7% | $6,940-45.6% |