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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 | $30,451 | $72,492-58.0% | $87,102-65.0% | $72,983-58.3% |
| Participation rate | 63.0% | 72.8%-9.8pp | 76.9%-13.9pp | 69.5%-6.5pp |
| Annual return | 34.55% | 24.46%+10.1pp | 28.19%+6.4pp | 81.01%-46.5pp |
| Employer contribution / active EE | $1,605 | $1,894-15.3% | $2,521-36.3% | $2,440-34.2% |
| Participant deferral / active EE | $3,400 | $3,270+4.0% | $4,048-16.0% | $3,608-5.7% |
| Admin fee / account holder | $3,347 | $5,055-33.8% | $7,491-55.3% | $5,124-34.7% |