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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 | $30,954 | $106,864-71.0% | $147,318-79.0% | $82,637-62.5% |
| Participation rate | 63.4% | 75.5%-12.1pp | 82.1%-18.7pp | 68.1%-4.7pp |
| Annual return | 19.87% | 27.49%-7.6pp | 70.43%-50.6pp | 53.51%-33.6pp |
| Employer contribution / active EE | $3,556 | $3,417+4.1% | $4,593-22.6% | $2,552+39.3% |
| Participant deferral / active EE | $6,718 | $6,496+3.4% | $7,906-15.0% | $4,126+62.8% |
| Admin fee / account holder | $1,582 | $8,415-81.2% | $13,708-88.5% | $7,339-78.4% |