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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 | $18,742 | $65,364-71.3% | $92,909-79.8% | $72,975-74.3% |
| Participation rate | 54.5% | 68.3%-13.8pp | 76.0%-21.5pp | 69.5%-14.9pp |
| Annual return | 31.02% | 42.11%-11.1pp | 109.44%-78.4pp | 81.01%-50.0pp |
| Employer contribution / active EE | $2,179 | $2,594-16.0% | $3,653-40.4% | $2,440-10.7% |
| Participant deferral / active EE | $3,876 | $3,128+23.9% | $4,238-8.5% | $3,608+7.4% |
| Admin fee / account holder | $1,404 | $4,251-67.0% | $5,795-75.8% | $5,124-72.6% |