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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 | $45,638 | $93,598-51.2% | $135,974-66.4% | $75,173-39.3% |
| Participation rate | 62.5% | 75.2%-12.7pp | 81.9%-19.4pp | 67.2%-4.7pp |
| Annual return | 19.09% | 30.89%-11.8pp | 68.30%-49.2pp | 160.72%-141.6pp |
| Employer contribution / active EE | $1,696 | $3,538-52.1% | $4,859-65.1% | $2,671-36.5% |
| Participant deferral / active EE | $3,555 | $6,405-44.5% | $7,760-54.2% | $4,126-13.8% |
| Admin fee / account holder | $617 | $6,978-91.2% | $10,767-94.3% | $5,651-89.1% |