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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 | $28,593 | $81,476-64.9% | $102,383-72.1% | $80,925-64.7% |
| Participation rate | 64.2% | 66.8%-2.7pp | 74.5%-10.4pp | 67.7%-3.5pp |
| Annual return | 14.27% | 25.59%-11.3pp | 24.94%-10.7pp | 35.65%-21.4pp |
| Employer contribution / active EE | $1,950 | $3,105-37.2% | $3,870-49.6% | $2,756-29.3% |
| Participant deferral / active EE | $3,385 | $3,871-12.5% | $5,060-33.1% | $4,299-21.2% |
| Admin fee / account holder | $1,751 | $6,717-73.9% | $8,391-79.1% | $6,940-74.8% |