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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 | $56,624 | $73,955-23.4% | $96,520-41.3% | $75,181-24.7% |
| Participation rate | 53.6% | 66.4%-12.9pp | 74.3%-20.8pp | 67.2%-13.6pp |
| Annual return | 20.60% | 26.72%-6.1pp | 35.72%-15.1pp | 160.69%-140.1pp |
| Employer contribution / active EE | $1,616 | $2,930-44.9% | $3,739-56.8% | $2,671-39.5% |
| Participant deferral / active EE | $3,558 | $3,659-2.8% | $4,879-27.1% | $4,126-13.8% |
| Admin fee / account holder | $997 | $5,217-80.9% | $6,733-85.2% | $5,650-82.4% |