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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 | $37,900 | $72,492-47.7% | $87,104-56.5% | $72,975-48.1% |
| Participation rate | 58.2% | 72.8%-14.6pp | 76.9%-18.7pp | 69.5%-11.3pp |
| Annual return | 20.33% | 24.46%-4.1pp | 28.19%-7.9pp | 81.01%-60.7pp |
| Employer contribution / active EE | $2,009 | $1,894+6.1% | $2,521-20.3% | $2,440-17.7% |
| Participant deferral / active EE | $4,125 | $3,270+26.2% | $4,048+1.9% | $3,608+14.3% |
| Admin fee / account holder | $754 | $5,055-85.1% | $7,491-89.9% | $5,124-85.3% |