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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 | $33,020 | $81,457-59.5% | $103,378-68.1% | $80,911-59.2% |
| Participation rate | 68.0% | 66.8%+1.2pp | 74.5%-6.5pp | 67.6%+0.4pp |
| Annual return | 15.15% | 25.58%-10.4pp | 24.91%-9.8pp | 35.63%-20.5pp |
| Employer contribution / active EE | $1,871 | $3,107-39.8% | $3,870-51.7% | $2,756-32.1% |
| Participant deferral / active EE | $3,422 | $3,871-11.6% | $5,058-32.3% | $4,297-20.4% |
| Admin fee / account holder | $353 | $6,717-94.7% | $8,401-95.8% | $6,935-94.9% |