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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 | $35,901 | $56,287-36.2% | $80,977-55.7% | $62,881-42.9% |
| Participation rate | 57.5% | 68.9%-11.4pp | 75.8%-18.3pp | 69.3%-11.8pp |
| Annual return | 13.40% | 22.13%-8.7pp | 17.11%-3.7pp | 20.14%-6.7pp |
| Employer contribution / active EE | $2,197 | $1,943+13.1% | $3,715-40.8% | $2,281-3.7% |
| Participant deferral / active EE | $4,469 | $4,196+6.5% | $5,696-21.5% | $3,203+39.5% |
| Admin fee / account holder | $1,316 | $3,742-64.8% | $5,517-76.2% | $4,296-69.4% |