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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 | $19,613 | $56,894-65.5% | $84,753-76.9% | $62,881-68.8% |
| Participation rate | 68.8% | 68.5%+0.2pp | 76.6%-7.8pp | 69.3%-0.6pp |
| Annual return | 8.42% | 6.30%+2.1pp | 22.78%-14.4pp | 20.14%-11.7pp |
| Employer contribution / active EE | $1,986 | $2,400-17.3% | $3,574-44.5% | $2,281-13.0% |
| Participant deferral / active EE | $3,008 | $2,709+11.0% | $3,712-19.0% | $3,203-6.1% |
| Admin fee / account holder | $1,825 | $3,581-49.0% | $5,333-65.8% | $4,296-57.5% |