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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 | $38,597 | $63,773-39.5% | $81,286-52.5% | $80,925-52.3% |
| Participation rate | 60.2% | 63.9%-3.7pp | 69.5%-9.3pp | 67.7%-7.4pp |
| Annual return | 11.97% | 16.37%-4.4pp | 24.80%-12.8pp | 35.65%-23.7pp |
| Employer contribution / active EE | $1,886 | $1,979-4.7% | $2,463-23.4% | $2,756-31.6% |
| Participant deferral / active EE | $3,188 | $3,093+3.1% | $3,883-17.9% | $4,299-25.8% |
| Admin fee / account holder | $1,824 | $5,682-67.9% | $5,764-68.4% | $6,940-73.7% |