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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 | $35,078 | $52,279-32.9% | $89,414-60.8% | $79,852-56.1% |
| Participation rate | 61.1% | 57.5%+3.6pp | 68.0%-6.9pp | 69.6%-8.5pp |
| Annual return | 24.26% | 22.16%+2.1pp | 245.50%-221.2pp | 31.72%-7.5pp |
| Employer contribution / active EE | $1,433 | $1,572-8.8% | $2,586-44.6% | $2,471-42.0% |
| Participant deferral / active EE | $2,835 | $2,740+3.4% | $3,890-27.1% | $3,740-24.2% |
| Admin fee / account holder | $618 | $3,356-81.6% | $4,883-87.3% | $5,306-88.3% |