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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 | $44,263 | $65,364-32.3% | $92,909-52.4% | $72,975-39.3% |
| Participation rate | 66.7% | 68.3%-1.6pp | 76.0%-9.3pp | 69.5%-2.8pp |
| Annual return | 24.98% | 42.11%-17.1pp | 109.44%-84.5pp | 81.01%-56.0pp |
| Employer contribution / active EE | $1,295 | $2,594-50.1% | $3,653-64.6% | $2,440-46.9% |
| Participant deferral / active EE | $2,857 | $3,128-8.7% | $4,238-32.6% | $3,608-20.8% |
| Admin fee / account holder | $609 | $4,251-85.7% | $5,795-89.5% | $5,124-88.1% |