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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 | $40,650 | $91,439-55.5% | $135,974-70.1% | $71,511-43.2% |
| Participation rate | 55.7% | 75.7%-19.9pp | 81.9%-26.2pp | 67.9%-12.2pp |
| Annual return | 25.22% | 29.90%-4.7pp | 68.30%-43.1pp | 28.86%-3.6pp |
| Employer contribution / active EE | $1,731 | $3,705-53.3% | $4,859-64.4% | $2,589-33.1% |
| Participant deferral / active EE | $3,859 | $7,093-45.6% | $7,760-50.3% | $4,291-10.1% |
| Admin fee / account holder | $728 | $1,267-42.5% | $10,767-93.2% | $1,588-54.2% |