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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 | $63,627 | $94,439-32.6% | $73,658-13.6% | $154,746-58.9% |
| Participation rate | 38.9% | 64.7%-25.8pp | 57.0%-18.2pp | 80.7%-41.8pp |
| Annual return | 22.21% | 28.25%-6.0pp | 29.72%-7.5pp | 172.34%-150.1pp |
| Employer contribution / active EE | $572 | $1,257-54.5% | $1,032-44.5% | $4,379-86.9% |
| Participant deferral / active EE | $2,026 | $2,527-19.8% | $2,062-1.8% | $6,730-69.9% |
| Admin fee / account holder | $1,314 | $3,843-65.8% | $3,357-60.9% | $14,365-90.9% |