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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 | $27,322 | $81,358-66.4% | $155,556-82.4% | $80,959-66.3% |
| Participation rate | 63.2% | 66.3%-3.0pp | 78.2%-15.0pp | 67.7%-4.4pp |
| Annual return | 12.32% | 33.39%-21.1pp | 64.84%-52.5pp | 35.67%-23.4pp |
| Employer contribution / active EE | $2,225 | $3,106-28.4% | $4,675-52.4% | $2,757-19.3% |
| Participant deferral / active EE | $4,998 | $3,455+44.6% | $5,631-11.2% | $4,300+16.2% |
| Admin fee / account holder | $6,880 | $7,994-13.9% | $15,885-56.7% | $6,925-0.7% |