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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 | $58,390 | $139,421-58.1% | $239,577-75.6% | $116,462-49.9% |
| Participation rate | 66.7% | 75.0%-8.3pp | 82.1%-15.4pp | 74.7%-8.0pp |
| Annual return | 20.29% | 15.58%+4.7pp | -0.70%+21.0pp | 15.65%+4.6pp |
| Employer contribution / active EE | $1,317 | $4,487-70.6% | $7,232-81.8% | $3,231-59.2% |
| Participant deferral / active EE | $3,113 | $4,296-27.5% | $5,676-45.2% | $3,836-18.9% |
| Admin fee / account holder | $1,459 | $21,515-93.2% | $19,315-92.4% | $12,754-88.6% |