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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 | $26,632 | $81,262-67.2% | $155,602-82.9% | $80,911-67.1% |
| Participation rate | 64.6% | 66.2%-1.7pp | 78.2%-13.6pp | 67.6%-3.1pp |
| Annual return | 15.30% | 33.34%-18.0pp | 64.81%-49.5pp | 35.63%-20.3pp |
| Employer contribution / active EE | $1,410 | $3,102-54.6% | $4,675-69.9% | $2,756-48.9% |
| Participant deferral / active EE | $3,780 | $3,451+9.5% | $5,629-32.8% | $4,297-12.0% |
| Admin fee / account holder | $3,341 | $7,992-58.2% | $15,923-79.0% | $6,935-51.8% |