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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 | $36,991 | $81,504-54.6% | $102,437-63.9% | $80,959-54.3% |
| Participation rate | 53.8% | 66.9%-13.0pp | 74.5%-20.7pp | 67.7%-13.8pp |
| Annual return | 37.25% | 25.60%+11.7pp | 24.95%+12.3pp | 35.67%+1.6pp |
| Employer contribution / active EE | $1,675 | $3,104-46.0% | $3,871-56.7% | $2,757-39.2% |
| Participant deferral / active EE | $3,446 | $3,871-11.0% | $5,060-31.9% | $4,300-19.9% |
| Admin fee / account holder | $675 | $6,719-90.0% | $8,388-92.0% | $6,925-90.3% |