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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 | $58,705 | $81,233-27.7% | $155,567-62.3% | $80,874-27.4% |
| Participation rate | 35.8% | 66.2%-30.4pp | 78.2%-42.3pp | 67.6%-31.8pp |
| Annual return | 14.49% | 33.33%-18.8pp | 64.74%-50.2pp | 35.62%-21.1pp |
| Employer contribution / active EE | $1,831 | $3,101-40.9% | $4,674-60.8% | $2,756-33.6% |
| Participant deferral / active EE | $4,180 | $3,452+21.1% | $5,628-25.7% | $4,297-2.7% |
| Admin fee / account holder | $2,335 | $7,998-70.8% | $15,916-85.3% | $6,935-66.3% |