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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 | $22,154 | $59,804-63.0% | $81,982-73.0% | $79,856-72.3% |
| Participation rate | 48.4% | 61.6%-13.2pp | 69.3%-20.9pp | 69.6%-21.3pp |
| Annual return | 20.26% | 17.56%+2.7pp | 41.31%-21.1pp | 31.71%-11.5pp |
| Employer contribution / active EE | $1,341 | $1,713-21.8% | $2,498-46.3% | $2,471-45.7% |
| Participant deferral / active EE | $2,771 | $2,695+2.8% | $3,722-25.6% | $3,741-25.9% |
| Admin fee / account holder | $3,808 | $4,288-11.2% | $5,665-32.8% | $5,306-28.2% |