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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 | $51,088 | $78,682-35.1% | $109,188-53.2% | $85,851-40.5% |
| Participation rate | 64.2% | 68.3%-4.1pp | 75.9%-11.7pp | 69.3%-5.1pp |
| Annual return | 13.81% | 25.09%-11.3pp | 25.76%-11.9pp | 318.63%-304.8pp |
| Employer contribution / active EE | $1,570 | $2,734-42.6% | $3,723-57.8% | $2,565-38.8% |
| Participant deferral / active EE | $3,161 | $3,468-8.8% | $4,654-32.1% | $3,952-20.0% |
| Admin fee / account holder | $2,737 | $5,470-50.0% | $6,755-59.5% | $6,261-56.3% |