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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 | $17,223 | $43,075-60.0% | $74,577-76.9% | $62,881-72.6% |
| Participation rate | 61.3% | 58.1%+3.2pp | 68.1%-6.8pp | 69.3%-8.0pp |
| Annual return | 7.76% | 17.50%-9.7pp | 20.47%-12.7pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,353 | $1,498-9.6% | $2,525-46.4% | $2,281-40.7% |
| Participant deferral / active EE | $1,129 | $2,389-52.7% | $3,458-67.4% | $3,203-64.7% |
| Admin fee / account holder | $905 | $2,840-68.1% | $4,138-78.1% | $4,296-78.9% |