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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 | $39,819 | $93,617-57.5% | $135,982-70.7% | $75,177-47.0% |
| Participation rate | 63.8% | 75.2%-11.4pp | 81.9%-18.1pp | 67.2%-3.4pp |
| Annual return | 25.67% | 30.89%-5.2pp | 68.32%-42.7pp | 160.75%-135.1pp |
| Employer contribution / active EE | $2,567 | $3,538-27.5% | $4,859-47.2% | $2,671-3.9% |
| Participant deferral / active EE | $5,797 | $6,406-9.5% | $7,760-25.3% | $4,126+40.5% |
| Admin fee / account holder | $361 | $6,980-94.8% | $10,767-96.7% | $5,651-93.6% |