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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 | $22,456 | $58,493-61.6% | $84,021-73.3% | $72,975-69.2% |
| Participation rate | 56.3% | 61.2%-4.9pp | 69.0%-12.7pp | 69.5%-13.2pp |
| Annual return | 17.35% | 28.93%-11.6pp | 71.32%-54.0pp | 81.01%-63.7pp |
| Employer contribution / active EE | $899 | $1,163-22.7% | $1,984-54.7% | $2,440-63.2% |
| Participant deferral / active EE | $3,873 | $2,394+61.8% | $3,239+19.6% | $3,608+7.3% |
| Admin fee / account holder | $3,313 | $4,569-27.5% | $6,102-45.7% | $5,124-35.3% |