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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 | $38,883 | $69,977-44.4% | $108,582-64.2% | $62,881-38.2% |
| Participation rate | 68.6% | 72.9%-4.3pp | 79.6%-10.9pp | 69.3%-0.7pp |
| Annual return | 7.72% | 10.73%-3.0pp | -51.70%+59.4pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,854 | $2,135-13.1% | $3,758-50.7% | $2,281-18.7% |
| Participant deferral / active EE | $4,287 | $3,165+35.5% | $4,311-0.6% | $3,203+33.8% |
| Admin fee / account holder | $3,282 | $5,076-35.4% | $7,645-57.1% | $4,296-23.6% |