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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 | $37,923 | $60,442-37.3% | $96,754-60.8% | $87,485-56.7% |
| Participation rate | 54.2% | 58.7%-4.5pp | 70.3%-16.1pp | 68.9%-14.8pp |
| Annual return | 19.41% | 21.97%-2.6pp | 82.04%-62.6pp | 26.06%-6.7pp |
| Employer contribution / active EE | $1,740 | $1,691+2.9% | $2,679-35.1% | $2,596-33.0% |
| Participant deferral / active EE | $3,108 | $3,280-5.2% | $4,758-34.7% | $4,274-27.3% |
| Admin fee / account holder | $1,646 | $5,069-67.5% | $8,905-81.5% | $7,775-78.8% |