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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 | $51,430 | $73,978-30.5% | $96,515-46.7% | $75,173-31.6% |
| Participation rate | 64.2% | 66.4%-2.3pp | 74.3%-10.2pp | 67.2%-3.1pp |
| Annual return | 17.46% | 26.72%-9.3pp | 35.73%-18.3pp | 160.72%-143.3pp |
| Employer contribution / active EE | $2,235 | $2,931-23.7% | $3,740-40.2% | $2,671-16.3% |
| Participant deferral / active EE | $3,672 | $3,660+0.3% | $4,880-24.8% | $4,126-11.0% |
| Admin fee / account holder | $1,711 | $5,219-67.2% | $6,735-74.6% | $5,651-69.7% |