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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 | $72,607-67.0% | $90,259-73.4% | $87,485-72.6% |
| Participation rate | 64.8% | 64.8%0pp | 70.7%-6.0pp | 68.9%-4.1pp |
| Annual return | 21.15% | 18.59%+2.6pp | 18.88%+2.3pp | 26.06%-4.9pp |
| Employer contribution / active EE | $1,752 | $1,919-8.7% | $2,291-23.5% | $2,596-32.5% |
| Participant deferral / active EE | $2,537 | $3,055-16.9% | $3,827-33.7% | $4,274-40.6% |
| Admin fee / account holder | $1,210 | $5,947-79.7% | $7,267-83.4% | $7,775-84.4% |