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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 | $26,370 | $36,948-28.6% | $73,658-64.2% | $87,485-69.9% |
| Participation rate | 53.0% | 46.8%+6.2pp | 57.0%-4.0pp | 68.9%-15.9pp |
| Annual return | 19.91% | 28.64%-8.7pp | 29.72%-9.8pp | 26.06%-6.1pp |
| Employer contribution / active EE | $772 | $670+15.3% | $1,032-25.2% | $2,596-70.3% |
| Participant deferral / active EE | $2,603 | $1,379+88.8% | $2,062+26.3% | $4,274-39.1% |
| Admin fee / account holder | $1,074 | $2,531-57.6% | $3,357-68.0% | $7,775-86.2% |