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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 | $34,679 | $87,106-60.2% | $105,607-67.2% | $80,935-57.2% |
| Participation rate | 55.6% | 70.4%-14.9pp | 75.3%-19.7pp | 67.7%-12.1pp |
| Annual return | 13.54% | 17.01%-3.5pp | 116.11%-102.6pp | 35.66%-22.1pp |
| Employer contribution / active EE | $2,892 | $2,396+20.7% | $3,167-8.7% | $2,757+4.9% |
| Participant deferral / active EE | $4,678 | $3,986+17.4% | $5,011-6.7% | $4,299+8.8% |
| Admin fee / account holder | $475 | $8,447-94.4% | $10,958-95.7% | $6,924-93.1% |