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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 | $151,314-61.4% | $258,236-77.4% | $122,131-52.2% |
| Participation rate | 66.7% | 73.9%-7.2pp | 81.9%-15.2pp | 75.1%-8.4pp |
| Annual return | 20.29% | 15.82%+4.5pp | -3.31%+23.6pp | 16.17%+4.1pp |
| Employer contribution / active EE | $1,317 | $5,035-73.8% | $7,891-83.3% | $3,608-63.5% |
| Participant deferral / active EE | $3,113 | $4,073-23.6% | $5,237-40.6% | $3,892-20.0% |
| Admin fee / account holder | $1,459 | $10,152-85.6% | $14,475-89.9% | $11,586-87.4% |