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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 | $35,252 | $86,949-59.5% | $102,460-65.6% | $80,959-56.5% |
| Participation rate | 67.9% | 72.4%-4.5pp | 76.5%-8.6pp | 67.7%+0.2pp |
| Annual return | 13.25% | 18.89%-5.6pp | 29.47%-16.2pp | 35.67%-22.4pp |
| Employer contribution / active EE | $1,277 | $2,370-46.1% | $3,025-57.8% | $2,757-53.7% |
| Participant deferral / active EE | $4,266 | $4,121+3.5% | $5,056-15.6% | $4,300-0.8% |
| Admin fee / account holder | $4,096 | $8,048-49.1% | $9,460-56.7% | $6,925-40.9% |