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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 | $23,993 | $67,894-64.7% | $89,340-73.1% | $82,448-70.9% |
| Participation rate | 64.8% | 64.0%+0.7pp | 69.6%-4.8pp | 68.1%-3.3pp |
| Annual return | 21.15% | 19.21%+1.9pp | 20.57%+0.6pp | 41.64%-20.5pp |
| Employer contribution / active EE | $1,752 | $1,828-4.2% | $2,231-21.5% | $2,551-31.3% |
| Participant deferral / active EE | $2,537 | $3,072-17.4% | $3,823-33.6% | $4,139-38.7% |
| Admin fee / account holder | $1,210 | $5,723-78.9% | $6,704-82.0% | $7,234-83.3% |