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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 | $33,909 | $78,682-56.9% | $109,188-68.9% | $85,851-60.5% |
| Participation rate | 68.0% | 68.3%-0.3pp | 75.9%-7.9pp | 69.3%-1.3pp |
| Annual return | 16.34% | 25.09%-8.8pp | 25.76%-9.4pp | 318.63%-302.3pp |
| Employer contribution / active EE | $1,884 | $2,734-31.1% | $3,723-49.4% | $2,565-26.6% |
| Participant deferral / active EE | $3,898 | $3,468+12.4% | $4,654-16.2% | $3,952-1.4% |
| Admin fee / account holder | $1,310 | $5,470-76.1% | $6,755-80.6% | $6,261-79.1% |