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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 | $21,831 | $65,367-66.6% | $92,915-76.5% | $72,976-70.1% |
| Participation rate | 66.7% | 68.3%-1.6pp | 76.0%-9.3pp | 69.5%-2.8pp |
| Annual return | 26.48% | 42.11%-15.6pp | 109.45%-83.0pp | 81.02%-54.5pp |
| Employer contribution / active EE | $2,190 | $2,594-15.6% | $3,653-40.1% | $2,440-10.3% |
| Participant deferral / active EE | $3,241 | $3,128+3.6% | $4,238-23.5% | $3,608-10.2% |
| Admin fee / account holder | $847 | $4,251-80.1% | $5,796-85.4% | $5,124-83.5% |