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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 | $29,132 | $106,749-72.7% | $145,433-80.0% | $82,448-64.7% |
| Participation rate | 60.6% | 75.6%-15.0pp | 82.1%-21.5pp | 68.1%-7.5pp |
| Annual return | 23.35% | 27.59%-4.2pp | 66.58%-43.2pp | 41.64%-18.3pp |
| Employer contribution / active EE | $1,544 | $3,444-55.2% | $4,554-66.1% | $2,551-39.5% |
| Participant deferral / active EE | $3,552 | $6,519-45.5% | $7,897-55.0% | $4,139-14.2% |
| Admin fee / account holder | $499 | $8,390-94.1% | $13,129-96.2% | $7,234-93.1% |