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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 | $32,896 | $81,504-59.6% | $102,437-67.9% | $80,959-59.4% |
| Participation rate | 69.5% | 66.9%+2.6pp | 74.5%-5.0pp | 67.7%+1.8pp |
| Annual return | 14.36% | 25.60%-11.2pp | 24.95%-10.6pp | 35.67%-21.3pp |
| Employer contribution / active EE | $1,769 | $3,104-43.0% | $3,871-54.3% | $2,757-35.9% |
| Participant deferral / active EE | $2,878 | $3,871-25.7% | $5,060-43.1% | $4,300-33.1% |
| Admin fee / account holder | $837 | $6,719-87.5% | $8,388-90.0% | $6,925-87.9% |