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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 | $36,586 | $62,672-41.6% | $185,117-80.2% | $70,126-47.8% |
| Participation rate | 58.0% | 63.8%-5.8pp | 77.3%-19.3pp | 69.5%-11.5pp |
| Annual return | 23.31% | 40.79%-17.5pp | 40.50%-17.2pp | 73.15%-49.8pp |
| Employer contribution / active EE | $1,541 | $1,753-12.1% | $4,182-63.2% | $2,343-34.2% |
| Participant deferral / active EE | $2,372 | $3,272-27.5% | $5,045-53.0% | $3,332-28.8% |
| Admin fee / account holder | $2,904 | $3,932-26.1% | $8,159-64.4% | $4,645-37.5% |