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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 | $36,670 | $93,589-60.8% | $135,942-73.0% | $75,181-51.2% |
| Participation rate | 61.8% | 75.2%-13.3pp | 81.9%-20.1pp | 67.2%-5.4pp |
| Annual return | 22.09% | 30.90%-8.8pp | 68.28%-46.2pp | 160.69%-138.6pp |
| Employer contribution / active EE | $2,543 | $3,537-28.1% | $4,858-47.6% | $2,671-4.8% |
| Participant deferral / active EE | $3,917 | $6,405-38.9% | $7,759-49.5% | $4,126-5.1% |
| Admin fee / account holder | $4,002 | $6,977-42.6% | $10,764-62.8% | $5,650-29.2% |