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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 | $36,059 | $74,535-51.6% | $100,712-64.2% | $82,637-56.4% |
| Participation rate | 57.1% | 61.2%-4.0pp | 69.3%-12.1pp | 68.1%-10.9pp |
| Annual return | 15.41% | 18.92%-3.5pp | 33.27%-17.9pp | 53.51%-38.1pp |
| Employer contribution / active EE | $1,242 | $1,503-17.4% | $2,313-46.3% | $2,552-51.3% |
| Participant deferral / active EE | $2,264 | $3,074-26.3% | $4,085-44.6% | $4,126-45.1% |
| Admin fee / account holder | $2,914 | $6,576-55.7% | $9,256-68.5% | $7,339-60.3% |