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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 | $41,899 | $81,457-48.6% | $103,378-59.5% | $80,911-48.2% |
| Participation rate | 58.3% | 66.8%-8.5pp | 74.5%-16.2pp | 67.6%-9.3pp |
| Annual return | 20.09% | 25.58%-5.5pp | 24.91%-4.8pp | 35.63%-15.5pp |
| Employer contribution / active EE | $2,230 | $3,107-28.2% | $3,870-42.4% | $2,756-19.1% |
| Participant deferral / active EE | $4,243 | $3,871+9.6% | $5,058-16.1% | $4,297-1.3% |
| Admin fee / account holder | $625 | $6,717-90.7% | $8,401-92.6% | $6,935-91.0% |