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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 | $32,903 | $58,048-43.3% | $94,215-65.1% | $65,306-49.6% |
| Participation rate | 58.6% | 45.3%+13.3pp | 70.0%-11.3pp | 57.7%+0.9pp |
| Annual return | 14.69% | 19.61%-4.9pp | 28.22%-13.5pp | 21.94%-7.2pp |
| Employer contribution / active EE | $984 | $1,427-31.0% | $2,675-63.2% | $1,967-50.0% |
| Participant deferral / active EE | $2,159 | $2,407-10.3% | $4,276-49.5% | $2,959-27.0% |
| Admin fee / account holder | $3,659 | $4,610-20.6% | $10,216-64.2% | $3,480+5.1% |