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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 | $29,811 | $73,978-59.7% | $96,515-69.1% | $75,173-60.3% |
| Participation rate | 53.2% | 66.4%-13.2pp | 74.3%-21.2pp | 67.2%-14.0pp |
| Annual return | 17.78% | 26.72%-8.9pp | 35.73%-17.9pp | 160.72%-142.9pp |
| Employer contribution / active EE | $1,598 | $2,931-45.5% | $3,740-57.3% | $2,671-40.2% |
| Participant deferral / active EE | $3,997 | $3,660+9.2% | $4,880-18.1% | $4,126-3.1% |
| Admin fee / account holder | $4,902 | $5,219-6.1% | $6,735-27.2% | $5,651-13.3% |