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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 | $67,894-54.3% | $89,340-65.2% | $82,448-62.3% |
| Participation rate | 66.2% | 64.0%+2.2pp | 69.6%-3.4pp | 68.1%-1.9pp |
| Annual return | 20.47% | 19.21%+1.3pp | 20.57%-0.1pp | 41.64%-21.2pp |
| Employer contribution / active EE | $1,636 | $1,828-10.5% | $2,231-26.7% | $2,551-35.9% |
| Participant deferral / active EE | $2,609 | $3,072-15.1% | $3,823-31.7% | $4,139-37.0% |
| Admin fee / account holder | $1,813 | $5,723-68.3% | $6,704-73.0% | $7,234-74.9% |