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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 | $28,564 | $81,358-64.9% | $155,556-81.6% | $80,959-64.7% |
| Participation rate | 66.7% | 66.3%+0.4pp | 78.2%-11.6pp | 67.7%-1.0pp |
| Annual return | 37.68% | 33.39%+4.3pp | 64.84%-27.2pp | 35.67%+2.0pp |
| Employer contribution / active EE | $2,355 | $3,106-24.2% | $4,675-49.6% | $2,757-14.6% |
| Participant deferral / active EE | $3,748 | $3,455+8.5% | $5,631-33.4% | $4,300-12.8% |
| Admin fee / account holder | $7,223 | $7,994-9.6% | $15,885-54.5% | $6,925+4.3% |