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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 | $35,231 | $59,839-41.1% | $81,991-57.0% | $79,852-55.9% |
| Participation rate | 60.0% | 61.6%-1.6pp | 69.3%-9.3pp | 69.6%-9.6pp |
| Annual return | 17.35% | 17.56%-0.2pp | 41.31%-24.0pp | 31.72%-14.4pp |
| Employer contribution / active EE | $960 | $1,713-44.0% | $2,498-61.6% | $2,471-61.2% |
| Participant deferral / active EE | $2,293 | $2,695-14.9% | $3,722-38.4% | $3,740-38.7% |
| Admin fee / account holder | $2,187 | $4,287-49.0% | $5,665-61.4% | $5,306-58.8% |