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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 | $25,779 | $76,696-66.4% | $96,515-73.3% | $71,511-64.0% |
| Participation rate | 52.9% | 66.6%-13.6pp | 74.3%-21.4pp | 67.9%-15.0pp |
| Annual return | 19.79% | 48.32%-28.5pp | 35.73%-15.9pp | 28.86%-9.1pp |
| Employer contribution / active EE | $1,679 | $3,032-44.6% | $3,740-55.1% | $2,589-35.2% |
| Participant deferral / active EE | $2,631 | $3,770-30.2% | $4,880-46.1% | $4,291-38.7% |
| Admin fee / account holder | $1,417 | $2,030-30.2% | $6,735-79.0% | $1,588-10.8% |