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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 | $37,822 | $72,273-47.7% | $101,275-62.7% | $79,856-52.6% |
| Participation rate | 61.4% | 68.5%-7.0pp | 75.8%-14.4pp | 69.6%-8.2pp |
| Annual return | 18.90% | 22.30%-3.4pp | 46.48%-27.6pp | 31.71%-12.8pp |
| Employer contribution / active EE | $1,315 | $2,691-51.1% | $3,660-64.1% | $2,471-46.8% |
| Participant deferral / active EE | $2,811 | $3,282-14.4% | $4,371-35.7% | $3,741-24.9% |
| Admin fee / account holder | $1,543 | $4,401-64.9% | $5,948-74.1% | $5,306-70.9% |