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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 | $29,249 | $81,358-64.0% | $155,556-81.2% | $80,959-63.9% |
| Participation rate | 67.5% | 66.3%+1.2pp | 78.2%-10.7pp | 67.7%-0.2pp |
| Annual return | 22.01% | 33.39%-11.4pp | 64.84%-42.8pp | 35.67%-13.7pp |
| Employer contribution / active EE | $1,981 | $3,106-36.2% | $4,675-57.6% | $2,757-28.2% |
| Participant deferral / active EE | $4,294 | $3,455+24.3% | $5,631-23.7% | $4,300-0.1% |
| Admin fee / account holder | $5,792 | $7,994-27.5% | $15,885-63.5% | $6,925-16.4% |