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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 | $52,682-37.5% | $78,004-57.8% | $64,097-48.7% |
| Participation rate | 58.6% | 47.7%+10.9pp | 69.4%-10.8pp | 55.2%+3.4pp |
| Annual return | 14.69% | 22.45%-7.8pp | 31.07%-16.4pp | 34.64%-20.0pp |
| Employer contribution / active EE | $984 | $1,323-25.6% | $2,469-60.1% | $1,891-48.0% |
| Participant deferral / active EE | $2,159 | $2,346-7.9% | $4,092-47.2% | $3,080-29.9% |
| Admin fee / account holder | $3,659 | $5,420-32.5% | $7,578-51.7% | $3,454+5.9% |