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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 | $26,566 | $88,042-69.8% | $138,135-80.8% | $79,852-66.7% |
| Participation rate | 66.7% | 71.4%-4.8pp | 78.7%-12.0pp | 69.6%-3.0pp |
| Annual return | 18.19% | 20.58%-2.4pp | 20.51%-2.3pp | 31.72%-13.5pp |
| Employer contribution / active EE | $1,665 | $3,103-46.3% | $5,587-70.2% | $2,471-32.6% |
| Participant deferral / active EE | $2,750 | $4,704-41.5% | $6,431-57.2% | $3,740-26.5% |
| Admin fee / account holder | $5,024 | $7,791-35.5% | $11,856-57.6% | $5,306-5.3% |