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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 | $31,045 | $215,361-85.6% | $171,082-81.9% | $273,972-88.7% |
| Participation rate | 61.9% | 82.0%-20.1pp | 76.7%-14.8pp | 83.0%-21.1pp |
| Annual return | 14.05% | 25.14%-11.1pp | 32.56%-18.5pp | 41.46%-27.4pp |
| Employer contribution / active EE | $2,172 | $4,967-56.3% | $4,002-45.7% | $4,869-55.4% |
| Participant deferral / active EE | $3,321 | $5,543-40.1% | $4,797-30.8% | $5,287-37.2% |
| Admin fee / account holder | $501 | $10,846-95.4% | $8,520-94.1% | $10,133-95.1% |