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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 | $30,467 | $78,690-61.3% | $161,489-81.1% | $87,485-65.2% |
| Participation rate | 65.0% | 67.5%-2.5pp | 78.7%-13.7pp | 68.9%-3.9pp |
| Annual return | 18.41% | 32.74%-14.3pp | 89.72%-71.3pp | 26.06%-7.7pp |
| Employer contribution / active EE | $1,872 | $2,588-27.7% | $4,268-56.2% | $2,596-27.9% |
| Participant deferral / active EE | $3,375 | $3,311+1.9% | $5,630-40.1% | $4,274-21.0% |
| Admin fee / account holder | $1,532 | $6,724-77.2% | $16,006-90.4% | $7,775-80.3% |