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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 | $28,604 | $111,814-74.4% | $103,378-72.3% | $145,978-80.4% |
| Participation rate | 61.9% | 77.9%-16.0pp | 74.5%-12.6pp | 80.3%-18.4pp |
| Annual return | 12.98% | 24.80%-11.8pp | 24.91%-11.9pp | 550.52%-537.5pp |
| Employer contribution / active EE | $2,354 | $4,215-44.1% | $3,870-39.2% | $4,662-49.5% |
| Participant deferral / active EE | $4,014 | $5,618-28.6% | $5,058-20.6% | $6,690-40.0% |
| Admin fee / account holder | $1,839 | $9,764-81.2% | $8,401-78.1% | $13,400-86.3% |