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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 | $29,360 | $81,276-63.9% | $155,574-81.1% | $80,925-63.7% |
| Participation rate | 63.4% | 66.2%-2.9pp | 78.2%-14.8pp | 67.7%-4.3pp |
| Annual return | 16.90% | 33.36%-16.5pp | 64.87%-48.0pp | 35.65%-18.8pp |
| Employer contribution / active EE | $2,019 | $3,103-34.9% | $4,676-56.8% | $2,756-26.7% |
| Participant deferral / active EE | $3,351 | $3,453-2.9% | $5,629-40.5% | $4,299-22.0% |
| Admin fee / account holder | $851 | $7,993-89.4% | $15,914-94.7% | $6,940-87.7% |