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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 | $54,194 | $78,690-31.1% | $161,489-66.4% | $87,485-38.1% |
| Participation rate | 64.0% | 67.5%-3.5pp | 78.7%-14.7pp | 68.9%-4.9pp |
| Annual return | 16.10% | 32.74%-16.6pp | 89.72%-73.6pp | 26.06%-10.0pp |
| Employer contribution / active EE | $2,078 | $2,588-19.7% | $4,268-51.3% | $2,596-19.9% |
| Participant deferral / active EE | $3,620 | $3,311+9.3% | $5,630-35.7% | $4,274-15.3% |
| Admin fee / account holder | $3,119 | $6,724-53.6% | $16,006-80.5% | $7,775-59.9% |