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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 | $36,447 | $81,233-55.1% | $155,567-76.6% | $80,874-54.9% |
| Participation rate | 64.7% | 66.2%-1.5pp | 78.2%-13.5pp | 67.6%-2.9pp |
| Annual return | 14.65% | 33.33%-18.7pp | 64.74%-50.1pp | 35.62%-21.0pp |
| Employer contribution / active EE | $1,381 | $3,101-55.5% | $4,674-70.4% | $2,756-49.9% |
| Participant deferral / active EE | $4,614 | $3,452+33.7% | $5,628-18.0% | $4,297+7.4% |
| Admin fee / account holder | $4,636 | $7,998-42.0% | $15,916-70.9% | $6,935-33.1% |