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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 | $63,196 | $81,276-22.2% | $155,574-59.4% | $80,925-21.9% |
| Participation rate | 51.2% | 66.2%-15.1pp | 78.2%-27.0pp | 67.7%-16.5pp |
| Annual return | 15.06% | 33.36%-18.3pp | 64.87%-49.8pp | 35.65%-20.6pp |
| Employer contribution / active EE | $1,503 | $3,103-51.6% | $4,676-67.9% | $2,756-45.5% |
| Participant deferral / active EE | $3,939 | $3,453+14.1% | $5,629-30.0% | $4,299-8.4% |
| Admin fee / account holder | $396 | $7,993-95.0% | $15,914-97.5% | $6,940-94.3% |