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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 | $34,819 | $74,535-53.3% | $100,712-65.4% | $82,637-57.9% |
| Participation rate | 63.0% | 61.2%+1.8pp | 69.3%-6.3pp | 68.1%-5.1pp |
| Annual return | 20.33% | 18.92%+1.4pp | 33.27%-12.9pp | 53.51%-33.2pp |
| Employer contribution / active EE | $1,232 | $1,503-18.0% | $2,313-46.7% | $2,552-51.7% |
| Participant deferral / active EE | $2,500 | $3,074-18.7% | $4,085-38.8% | $4,126-39.4% |
| Admin fee / account holder | $790 | $6,576-88.0% | $9,256-91.5% | $7,339-89.2% |