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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 | $26,684 | $58,493-54.4% | $84,023-68.2% | $72,976-63.4% |
| Participation rate | 64.8% | 61.2%+3.5pp | 69.0%-4.2pp | 69.5%-4.7pp |
| Annual return | 27.36% | 28.93%-1.6pp | 71.32%-44.0pp | 81.02%-53.7pp |
| Employer contribution / active EE | $937 | $1,163-19.4% | $1,984-52.8% | $2,440-61.6% |
| Participant deferral / active EE | $1,840 | $2,394-23.1% | $3,239-43.2% | $3,608-49.0% |
| Admin fee / account holder | $1,445 | $4,569-68.4% | $6,102-76.3% | $5,124-71.8% |