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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 | $36,216 | $80,992-55.3% | $96,534-62.5% | $75,173-51.8% |
| Participation rate | 63.4% | 71.8%-8.4pp | 76.0%-12.6pp | 67.2%-3.8pp |
| Annual return | 21.13% | 27.05%-5.9pp | 25.88%-4.7pp | 160.72%-139.6pp |
| Employer contribution / active EE | $1,539 | $2,283-32.6% | $2,965-48.1% | $2,671-42.4% |
| Participant deferral / active EE | $3,527 | $3,929-10.2% | $4,851-27.3% | $4,126-14.5% |
| Admin fee / account holder | $528 | $6,717-92.1% | $8,253-93.6% | $5,651-90.7% |