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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 | $20,489 | $51,207-60.0% | $70,565-71.0% | $75,177-72.7% |
| Participation rate | 62.3% | 61.0%+1.3pp | 68.4%-6.1pp | 67.2%-4.9pp |
| Annual return | 19.06% | 30.05%-11.0pp | 32.79%-13.7pp | 160.75%-141.7pp |
| Employer contribution / active EE | $1,149 | $1,826-37.1% | $2,976-61.4% | $2,671-57.0% |
| Participant deferral / active EE | $2,441 | $2,850-14.3% | $4,568-46.6% | $4,126-40.8% |
| Admin fee / account holder | $1,758 | $4,097-57.1% | $6,430-72.7% | $5,651-68.9% |