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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 | $28,837 | $36,948-22.0% | $73,658-60.9% | $87,485-67.0% |
| Participation rate | 55.3% | 46.8%+8.5pp | 57.0%-1.7pp | 68.9%-13.6pp |
| Annual return | 16.90% | 28.64%-11.7pp | 29.72%-12.8pp | 26.06%-9.2pp |
| Employer contribution / active EE | $1,248 | $670+86.3% | $1,032+20.9% | $2,596-51.9% |
| Participant deferral / active EE | $2,667 | $1,379+93.4% | $2,062+29.3% | $4,274-37.6% |
| Admin fee / account holder | $2,488 | $2,531-1.7% | $3,357-25.9% | $7,775-68.0% |