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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 | $28,470 | $89,652-68.2% | $141,197-79.8% | $65,186-56.3% |
| Participation rate | 69.0% | 74.7%-5.7pp | 82.5%-13.5pp | 70.2%-1.2pp |
| Annual return | 27.91% | 32.79%-4.9pp | 71.41%-43.5pp | 29.39%-1.5pp |
| Employer contribution / active EE | $1,841 | $3,065-39.9% | $4,736-61.1% | $2,177-15.4% |
| Participant deferral / active EE | $3,257 | $5,691-42.8% | $6,710-51.5% | $3,514-7.3% |
| Admin fee / account holder | $1,328 | $569+133.6% | $10,265-87.1% | $847+56.7% |