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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 | $35,126 | $52,306-32.8% | $69,779-49.7% | $62,881-44.1% |
| Participation rate | 68.6% | 67.2%+1.3pp | 71.8%-3.3pp | 69.3%-0.7pp |
| Annual return | 7.49% | 13.35%-5.9pp | 12.99%-5.5pp | 20.14%-12.7pp |
| Employer contribution / active EE | $1,751 | $1,799-2.7% | $2,338-25.1% | $2,281-23.3% |
| Participant deferral / active EE | $2,933 | $2,395+22.4% | $2,931+0.1% | $3,203-8.4% |
| Admin fee / account holder | $3,784 | $3,691+2.5% | $4,381-13.6% | $4,296-11.9% |