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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 | $40,501 | $72,273-44.0% | $101,275-60.0% | $79,856-49.3% |
| Participation rate | 62.9% | 68.5%-5.6pp | 75.8%-13.0pp | 69.6%-6.8pp |
| Annual return | 19.91% | 22.30%-2.4pp | 46.48%-26.6pp | 31.71%-11.8pp |
| Employer contribution / active EE | $1,682 | $2,691-37.5% | $3,660-54.0% | $2,471-31.9% |
| Participant deferral / active EE | $3,880 | $3,282+18.2% | $4,371-11.2% | $3,741+3.7% |
| Admin fee / account holder | $983 | $4,401-77.7% | $5,948-83.5% | $5,306-81.5% |