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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 | $37,007 | $81,358-54.5% | $155,556-76.2% | $80,959-54.3% |
| Participation rate | 56.3% | 66.3%-10.0pp | 78.2%-22.0pp | 67.7%-11.4pp |
| Annual return | 12.12% | 33.39%-21.3pp | 64.84%-52.7pp | 35.67%-23.5pp |
| Employer contribution / active EE | $1,397 | $3,106-55.0% | $4,675-70.1% | $2,757-49.3% |
| Participant deferral / active EE | $1,672 | $3,455-51.6% | $5,631-70.3% | $4,300-61.1% |
| Admin fee / account holder | $2,584 | $7,994-67.7% | $15,885-83.7% | $6,925-62.7% |