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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 | $31,052 | $69,273-55.2% | $90,796-65.8% | $82,637-62.4% |
| Participation rate | 66.2% | 64.0%+2.2pp | 69.5%-3.3pp | 68.1%-1.8pp |
| Annual return | 20.47% | 18.37%+2.1pp | 19.29%+1.2pp | 53.51%-33.0pp |
| Employer contribution / active EE | $1,636 | $1,865-12.3% | $2,294-28.7% | $2,552-35.9% |
| Participant deferral / active EE | $2,609 | $3,047-14.4% | $3,822-31.7% | $4,126-36.8% |
| Admin fee / account holder | $1,813 | $5,511-67.1% | $7,024-74.2% | $7,339-75.3% |