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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 | $37,156-22.4% | $83,854-65.6% | $86,983-66.8% |
| Participation rate | 55.3% | 49.1%+6.3pp | 59.1%-3.8pp | 69.5%-14.2pp |
| Annual return | 16.90% | 29.88%-13.0pp | 31.39%-14.5pp | 25.83%-8.9pp |
| Employer contribution / active EE | $1,248 | $661+88.8% | $1,017+22.7% | $2,584-51.7% |
| Participant deferral / active EE | $2,667 | $1,418+88.1% | $2,035+31.0% | $4,194-36.4% |
| Admin fee / account holder | $2,488 | $2,510-0.9% | $3,197-22.2% | $7,856-68.3% |