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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 | $31,644 | $81,504-61.2% | $102,437-69.1% | $80,959-60.9% |
| Participation rate | 59.2% | 66.9%-7.7pp | 74.5%-15.3pp | 67.7%-8.5pp |
| Annual return | 14.43% | 25.60%-11.2pp | 24.95%-10.5pp | 35.67%-21.2pp |
| Employer contribution / active EE | $1,746 | $3,104-43.7% | $3,871-54.9% | $2,757-36.7% |
| Participant deferral / active EE | $3,838 | $3,871-0.8% | $5,060-24.2% | $4,300-10.8% |
| Admin fee / account holder | $4,446 | $6,719-33.8% | $8,388-47.0% | $6,925-35.8% |