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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 | $34,096 | $59,440-42.6% | $78,004-56.3% | $82,637-58.7% |
| Participation rate | 68.4% | 62.8%+5.6pp | 69.4%-1.0pp | 68.1%+0.4pp |
| Annual return | 18.93% | 40.24%-21.3pp | 31.07%-12.1pp | 53.51%-34.6pp |
| Employer contribution / active EE | $1,642 | $1,750-6.2% | $2,469-33.5% | $2,552-35.7% |
| Participant deferral / active EE | $3,398 | $3,138+8.3% | $4,092-16.9% | $4,126-17.6% |
| Admin fee / account holder | $1,437 | $5,504-73.9% | $7,578-81.0% | $7,339-80.4% |