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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 | $35,730 | $77,896-54.1% | $134,172-73.4% | $82,448-56.7% |
| Participation rate | 60.7% | 62.8%-2.1pp | 72.5%-11.8pp | 68.1%-7.4pp |
| Annual return | 19.50% | 18.21%+1.3pp | 25.30%-5.8pp | 41.64%-22.1pp |
| Employer contribution / active EE | $1,822 | $2,159-15.6% | $3,420-46.7% | $2,551-28.6% |
| Participant deferral / active EE | $3,112 | $3,162-1.6% | $4,690-33.7% | $4,139-24.8% |
| Admin fee / account holder | $827 | $6,336-87.0% | $12,016-93.1% | $7,234-88.6% |