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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 | $39,881 | $95,453-58.2% | $112,040-64.4% | $82,448-51.6% |
| Participation rate | 69.2% | 72.8%-3.5pp | 76.5%-7.3pp | 68.1%+1.2pp |
| Annual return | 17.74% | 23.92%-6.2pp | 24.52%-6.8pp | 41.64%-23.9pp |
| Employer contribution / active EE | $1,687 | $2,318-27.2% | $2,954-42.9% | $2,551-33.9% |
| Participant deferral / active EE | $2,724 | $4,224-35.5% | $5,098-46.6% | $4,139-34.2% |
| Admin fee / account holder | $597 | $9,013-93.4% | $12,098-95.1% | $7,234-91.7% |