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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 | $37,343 | $80,992-53.9% | $96,534-61.3% | $75,173-50.3% |
| Participation rate | 62.5% | 71.8%-9.3pp | 76.0%-13.5pp | 67.2%-4.7pp |
| Annual return | 14.28% | 27.05%-12.8pp | 25.88%-11.6pp | 160.72%-146.4pp |
| Employer contribution / active EE | $1,347 | $2,283-41.0% | $2,965-54.6% | $2,671-49.6% |
| Participant deferral / active EE | $2,315 | $3,929-41.1% | $4,851-52.3% | $4,126-43.9% |
| Admin fee / account holder | $4,627 | $6,717-31.1% | $8,253-43.9% | $5,651-18.1% |