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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 | $25,319 | $56,287-55.0% | $80,977-68.7% | $62,881-59.7% |
| Participation rate | 64.1% | 68.9%-4.8pp | 75.8%-11.7pp | 69.3%-5.2pp |
| Annual return | 9.92% | 22.13%-12.2pp | 17.11%-7.2pp | 20.14%-10.2pp |
| Employer contribution / active EE | $3,370 | $1,943+73.5% | $3,715-9.3% | $2,281+47.8% |
| Participant deferral / active EE | $4,615 | $4,196+10.0% | $5,696-19.0% | $3,203+44.1% |
| Admin fee / account holder | $3,952 | $3,742+5.6% | $5,517-28.4% | $4,296-8.0% |