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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 | $32,432 | $76,551-57.6% | $123,894-73.8% | $62,881-48.4% |
| Participation rate | 60.0% | 73.0%-13.0pp | 81.4%-21.4pp | 69.3%-9.3pp |
| Annual return | 19.08% | 18.68%+0.4pp | 47.52%-28.4pp | 20.14%-1.1pp |
| Employer contribution / active EE | $2,062 | $2,882-28.5% | $4,617-55.3% | $2,281-9.6% |
| Participant deferral / active EE | $3,733 | $4,840-22.9% | $5,984-37.6% | $3,203+16.5% |
| Admin fee / account holder | $395 | $4,826-91.8% | $8,357-95.3% | $4,296-90.8% |