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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 | $21,430 | $73,988-71.0% | $96,538-77.8% | $75,177-71.5% |
| Participation rate | 64.4% | 66.4%-2.0pp | 74.3%-9.9pp | 67.2%-2.8pp |
| Annual return | 25.10% | 26.73%-1.6pp | 35.74%-10.6pp | 160.75%-135.6pp |
| Employer contribution / active EE | $1,992 | $2,930-32.0% | $3,740-46.7% | $2,671-25.4% |
| Participant deferral / active EE | $3,185 | $3,660-13.0% | $4,880-34.7% | $4,126-22.8% |
| Admin fee / account holder | $576 | $5,220-89.0% | $6,737-91.5% | $5,651-89.8% |