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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 | $37,444 | $81,476-54.0% | $102,383-63.4% | $80,925-53.7% |
| Participation rate | 65.4% | 66.8%-1.4pp | 74.5%-9.1pp | 67.7%-2.2pp |
| Annual return | 15.10% | 25.59%-10.5pp | 24.94%-9.8pp | 35.65%-20.5pp |
| Employer contribution / active EE | $1,077 | $3,105-65.3% | $3,870-72.2% | $2,756-60.9% |
| Participant deferral / active EE | $1,788 | $3,871-53.8% | $5,060-64.7% | $4,299-58.4% |
| Admin fee / account holder | $3,838 | $6,717-42.9% | $8,391-54.3% | $6,940-44.7% |