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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 | $57,338 | $73,978-22.5% | $96,515-40.6% | $75,173-23.7% |
| Participation rate | 53.4% | 66.4%-13.0pp | 74.3%-20.9pp | 67.2%-13.8pp |
| Annual return | 13.49% | 26.72%-13.2pp | 35.73%-22.2pp | 160.72%-147.2pp |
| Employer contribution / active EE | $1,571 | $2,931-46.4% | $3,740-58.0% | $2,671-41.2% |
| Participant deferral / active EE | $3,360 | $3,660-8.2% | $4,880-31.1% | $4,126-18.6% |
| Admin fee / account holder | $1,147 | $5,219-78.0% | $6,735-83.0% | $5,651-79.7% |