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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 | $25,878 | $99,875-74.1% | $146,866-82.4% | $86,983-70.2% |
| Participation rate | 65.4% | 75.8%-10.4pp | 82.5%-17.1pp | 69.5%-4.2pp |
| Annual return | 23.74% | 28.10%-4.4pp | 102.85%-79.1pp | 25.83%-2.1pp |
| Employer contribution / active EE | $2,620 | $3,224-18.7% | $4,425-40.8% | $2,584+1.4% |
| Participant deferral / active EE | $5,485 | $6,322-13.2% | $7,759-29.3% | $4,194+30.8% |
| Admin fee / account holder | $3,462 | $7,838-55.8% | $13,620-74.6% | $7,856-55.9% |