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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 | $32,648 | $72,269-54.8% | $101,271-67.8% | $79,852-59.1% |
| Participation rate | 58.3% | 68.5%-10.1pp | 75.8%-17.5pp | 69.6%-11.3pp |
| Annual return | 23.14% | 22.29%+0.8pp | 46.48%-23.3pp | 31.72%-8.6pp |
| Employer contribution / active EE | $1,222 | $2,692-54.6% | $3,660-66.6% | $2,471-50.6% |
| Participant deferral / active EE | $3,681 | $3,282+12.2% | $4,371-15.8% | $3,740-1.6% |
| Admin fee / account holder | $332 | $4,401-92.5% | $5,948-94.4% | $5,306-93.7% |