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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 | $75,720-59.0% | $90,312-65.6% | $86,983-64.3% |
| Participation rate | 66.2% | 66.3%-0.1pp | 72.9%-6.7pp | 69.5%-3.3pp |
| Annual return | 20.47% | 18.55%+1.9pp | 18.90%+1.6pp | 25.83%-5.4pp |
| Employer contribution / active EE | $1,636 | $1,945-15.9% | $2,243-27.1% | $2,584-36.7% |
| Participant deferral / active EE | $2,609 | $3,001-13.0% | $3,749-30.4% | $4,194-37.8% |
| Admin fee / account holder | $1,813 | $6,201-70.8% | $8,248-78.0% | $7,856-76.9% |