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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 | $9,840 | $51,222-80.8% | $70,544-86.1% | $75,173-86.9% |
| Participation rate | 69.0% | 61.0%+8.1pp | 68.4%+0.7pp | 67.2%+1.8pp |
| Annual return | 24.07% | 30.06%-6.0pp | 32.79%-8.7pp | 160.72%-136.7pp |
| Employer contribution / active EE | $1,678 | $1,827-8.2% | $2,976-43.6% | $2,671-37.2% |
| Participant deferral / active EE | $2,452 | $2,850-14.0% | $4,568-46.3% | $4,126-40.6% |
| Admin fee / account holder | $1,844 | $4,096-55.0% | $6,427-71.3% | $5,651-67.4% |