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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 | $86,330-72.2% | $121,871-80.3% | $94,015-74.5% |
| Participation rate | 64.8% | 66.7%-1.9pp | 73.2%-8.4pp | 70.8%-6.0pp |
| Annual return | 21.15% | 14.95%+6.2pp | 13.57%+7.6pp | 17.84%+3.3pp |
| Employer contribution / active EE | $1,752 | $2,292-23.6% | $2,731-35.9% | $2,790-37.2% |
| Participant deferral / active EE | $2,537 | $3,146-19.4% | $4,318-41.2% | $4,249-40.3% |
| Admin fee / account holder | $1,210 | $7,346-83.5% | $11,551-89.5% | $8,951-86.5% |