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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 | $38,609 | $93,598-58.8% | $135,974-71.6% | $75,173-48.6% |
| Participation rate | 54.2% | 75.2%-21.0pp | 81.9%-27.8pp | 67.2%-13.0pp |
| Annual return | 18.77% | 30.89%-12.1pp | 68.30%-49.5pp | 160.72%-141.9pp |
| Employer contribution / active EE | $1,648 | $3,538-53.4% | $4,859-66.1% | $2,671-38.3% |
| Participant deferral / active EE | $4,604 | $6,405-28.1% | $7,760-40.7% | $4,126+11.6% |
| Admin fee / account holder | $1,971 | $6,978-71.8% | $10,767-81.7% | $5,651-65.1% |