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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 | $48,118-45.2% | $136,833-80.7% | $94,015-72.0% |
| Participation rate | 53.0% | 47.4%+5.6pp | 59.0%-6.0pp | 70.8%-17.8pp |
| Annual return | 19.91% | 14.65%+5.3pp | 35.32%-15.4pp | 17.84%+2.1pp |
| Employer contribution / active EE | $772 | $821-5.9% | $1,319-41.4% | $2,790-72.3% |
| Participant deferral / active EE | $2,603 | $1,651+57.7% | $2,441+6.7% | $4,249-38.7% |
| Admin fee / account holder | $1,074 | $3,059-64.9% | $4,706-77.2% | $8,951-88.0% |