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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 | $42,673 | $63,809-33.1% | $81,353-47.5% | $80,935-47.3% |
| Participation rate | 67.9% | 63.9%+4.0pp | 69.5%-1.7pp | 67.7%+0.2pp |
| Annual return | 16.27% | 16.37%-0.1pp | 24.82%-8.5pp | 35.66%-19.4pp |
| Employer contribution / active EE | $1,707 | $1,981-13.8% | $2,464-30.7% | $2,757-38.1% |
| Participant deferral / active EE | $2,830 | $3,093-8.5% | $3,885-27.1% | $4,299-34.2% |
| Admin fee / account holder | $10,002 | $5,686+75.9% | $5,766+73.5% | $6,924+44.4% |