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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 | $33,862 | $91,179-62.9% | $178,499-81.0% | $79,852-57.6% |
| Participation rate | 66.2% | 69.2%-3.0pp | 81.9%-15.7pp | 69.6%-3.4pp |
| Annual return | 18.86% | 24.19%-5.3pp | 151.10%-132.2pp | 31.72%-12.9pp |
| Employer contribution / active EE | $1,301 | $3,256-60.0% | $5,011-74.0% | $2,471-47.3% |
| Participant deferral / active EE | $3,308 | $3,236+2.2% | $5,202-36.4% | $3,740-11.6% |
| Admin fee / account holder | $460 | $6,749-93.2% | $13,986-96.7% | $5,306-91.3% |