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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 | $28,068 | $39,132-28.3% | $57,196-50.9% | $62,881-55.4% |
| Participation rate | 63.0% | 70.5%-7.5pp | 75.3%-12.4pp | 69.3%-6.3pp |
| Annual return | 8.78% | 9.24%-0.5pp | 14.59%-5.8pp | 20.14%-11.4pp |
| Employer contribution / active EE | $1,312 | $1,874-30.0% | $2,683-51.1% | $2,281-42.5% |
| Participant deferral / active EE | $2,406 | $2,374+1.3% | $3,096-22.3% | $3,203-24.9% |
| Admin fee / account holder | $1,397 | $2,594-46.1% | $3,141-55.5% | $4,296-67.5% |