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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 | $33,017 | $71,197-53.6% | $93,669-64.8% | $80,925-59.2% |
| Participation rate | 57.1% | 60.4%-3.3pp | 68.7%-11.6pp | 67.7%-10.5pp |
| Annual return | 15.26% | 11.27%+4.0pp | 133.59%-118.3pp | 35.65%-20.4pp |
| Employer contribution / active EE | $2,501 | $1,565+59.8% | $2,424+3.2% | $2,756-9.3% |
| Participant deferral / active EE | $3,882 | $4,036-3.8% | $4,416-12.1% | $4,299-9.7% |
| Admin fee / account holder | $1,076 | $6,959-84.5% | $8,291-87.0% | $6,940-84.5% |