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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 | $29,078 | $71,215-59.2% | $93,696-69.0% | $80,935-64.1% |
| Participation rate | 62.2% | 60.4%+1.8pp | 68.7%-6.6pp | 67.7%-5.5pp |
| Annual return | 10.85% | 11.27%-0.4pp | 133.74%-122.9pp | 35.66%-24.8pp |
| Employer contribution / active EE | $1,878 | $1,565+20.0% | $2,422-22.5% | $2,757-31.9% |
| Participant deferral / active EE | $2,975 | $4,037-26.3% | $4,417-32.6% | $4,299-30.8% |
| Admin fee / account holder | $1,739 | $6,958-75.0% | $8,287-79.0% | $6,924-74.9% |