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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 | $33,025 | $112,729-70.7% | $98,716-66.5% | $137,256-75.9% |
| Participation rate | 69.2% | 74.2%-5.0pp | 69.3%-0.1pp | 80.0%-10.7pp |
| Annual return | 14.88% | 38.48%-23.6pp | 31.81%-16.9pp | 220.34%-205.5pp |
| Employer contribution / active EE | $1,642 | $2,725-39.8% | $2,279-27.9% | $4,156-60.5% |
| Participant deferral / active EE | $2,642 | $4,640-43.1% | $4,048-34.7% | $6,407-58.8% |
| Admin fee / account holder | $845 | $10,129-91.7% | $8,703-90.3% | $12,270-93.1% |