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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 | $37,156-29.0% | $83,854-68.6% | $86,983-69.7% |
| Participation rate | 53.0% | 49.1%+4.0pp | 59.1%-6.1pp | 69.5%-16.5pp |
| Annual return | 19.91% | 29.88%-10.0pp | 31.39%-11.5pp | 25.83%-5.9pp |
| Employer contribution / active EE | $772 | $661+16.9% | $1,017-24.1% | $2,584-70.1% |
| Participant deferral / active EE | $2,603 | $1,418+83.6% | $2,035+27.9% | $4,194-37.9% |
| Admin fee / account holder | $1,074 | $2,510-57.2% | $3,197-66.4% | $7,856-86.3% |