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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 | $34,964 | $91,559-61.8% | $133,978-73.9% | $79,856-56.2% |
| Participation rate | 69.0% | 73.3%-4.3pp | 79.8%-10.8pp | 69.6%-0.6pp |
| Annual return | 16.32% | 61.85%-45.5pp | 45.10%-28.8pp | 31.71%-15.4pp |
| Employer contribution / active EE | $2,112 | $2,384-11.4% | $3,919-46.1% | $2,471-14.6% |
| Participant deferral / active EE | $2,524 | $3,734-32.4% | $5,047-50.0% | $3,741-32.5% |
| Admin fee / account holder | $802 | $6,321-87.3% | $8,930-91.0% | $5,306-84.9% |