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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 | $44,815 | $48,337-7.3% | $67,560-33.7% | $80,959-44.6% |
| Participation rate | 66.7% | 66.4%+0.2pp | 72.9%-6.3pp | 67.7%-1.0pp |
| Annual return | 14.03% | 18.26%-4.2pp | 3533.50%-3519.5pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,579 | $2,023-21.9% | $2,737-42.3% | $2,757-42.7% |
| Participant deferral / active EE | $3,956 | $2,928+35.1% | $4,004-1.2% | $4,300-8.0% |
| Admin fee / account holder | $1,826 | $3,695-50.6% | $3,994-54.3% | $6,925-73.6% |