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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 | $35,652 | $73,988-51.8% | $96,538-63.1% | $75,177-52.6% |
| Participation rate | 62.2% | 66.4%-4.2pp | 74.3%-12.2pp | 67.2%-5.0pp |
| Annual return | 16.88% | 26.73%-9.8pp | 35.74%-18.9pp | 160.75%-143.9pp |
| Employer contribution / active EE | $1,432 | $2,930-51.1% | $3,740-61.7% | $2,671-46.4% |
| Participant deferral / active EE | $2,706 | $3,660-26.1% | $4,880-44.6% | $4,126-34.4% |
| Admin fee / account holder | $5,180 | $5,220-0.8% | $6,737-23.1% | $5,651-8.3% |