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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 | $36,148 | $57,590-37.2% | $86,233-58.1% | $82,448-56.2% |
| Participation rate | 54.3% | 57.9%-3.6pp | 69.0%-14.7pp | 68.1%-13.8pp |
| Annual return | 19.97% | 22.41%-2.4pp | 61.39%-41.4pp | 41.64%-21.7pp |
| Employer contribution / active EE | $1,397 | $1,655-15.6% | $2,504-44.2% | $2,551-45.3% |
| Participant deferral / active EE | $2,213 | $3,080-28.2% | $4,559-51.5% | $4,139-46.5% |
| Admin fee / account holder | $506 | $4,730-89.3% | $8,342-93.9% | $7,234-93.0% |