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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 | $25,851 | $78,520-67.1% | $96,576-73.2% | $82,448-68.6% |
| Participation rate | 59.5% | 77.7%-18.3pp | 81.4%-22.0pp | 68.1%-8.6pp |
| Annual return | 39.95% | 41.30%-1.3pp | 38.47%+1.5pp | 41.64%-1.7pp |
| Employer contribution / active EE | $1,990 | $2,630-24.3% | $3,553-44.0% | $2,551-22.0% |
| Participant deferral / active EE | $3,593 | $6,754-46.8% | $7,956-54.8% | $4,139-13.2% |
| Admin fee / account holder | $1,525 | $13,455-88.7% | $11,381-86.6% | $7,234-78.9% |