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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 | $32,612 | $65,364-50.1% | $92,909-64.9% | $72,975-55.3% |
| Participation rate | 63.5% | 68.3%-4.9pp | 76.0%-12.5pp | 69.5%-6.0pp |
| Annual return | 23.10% | 42.11%-19.0pp | 109.44%-86.3pp | 81.01%-57.9pp |
| Employer contribution / active EE | $1,698 | $2,594-34.6% | $3,653-53.5% | $2,440-30.4% |
| Participant deferral / active EE | $2,863 | $3,128-8.5% | $4,238-32.4% | $3,608-20.6% |
| Admin fee / account holder | $4,116 | $4,251-3.2% | $5,795-29.0% | $5,124-19.7% |