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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 | $62,500 | $83,485-25.1% | $125,192-50.1% | $72,975-14.4% |
| Participation rate | 62.8% | 73.3%-10.5pp | 79.8%-17.0pp | 69.5%-6.7pp |
| Annual return | 21.14% | 25.77%-4.6pp | 43.79%-22.7pp | 81.01%-59.9pp |
| Employer contribution / active EE | $1,399 | $2,346-40.4% | $3,866-63.8% | $2,440-42.7% |
| Participant deferral / active EE | $3,006 | $3,586-16.2% | $4,937-39.1% | $3,608-16.7% |
| Admin fee / account holder | $2,634 | $5,518-52.3% | $9,704-72.9% | $5,124-48.6% |