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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 | $25,871 | $73,988-65.0% | $96,538-73.2% | $75,177-65.6% |
| Participation rate | 62.0% | 66.4%-4.4pp | 74.3%-12.3pp | 67.2%-5.2pp |
| Annual return | 18.85% | 26.73%-7.9pp | 35.74%-16.9pp | 160.75%-141.9pp |
| Employer contribution / active EE | $1,395 | $2,930-52.4% | $3,740-62.7% | $2,671-47.8% |
| Participant deferral / active EE | $3,287 | $3,660-10.2% | $4,880-32.6% | $4,126-20.3% |
| Admin fee / account holder | $1,280 | $5,220-75.5% | $6,737-81.0% | $5,651-77.3% |