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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 | $33,922 | $73,978-54.1% | $96,515-64.9% | $75,173-54.9% |
| Participation rate | 56.7% | 66.4%-9.8pp | 74.3%-17.7pp | 67.2%-10.5pp |
| Annual return | 15.65% | 26.72%-11.1pp | 35.73%-20.1pp | 160.72%-145.1pp |
| Employer contribution / active EE | $1,232 | $2,931-58.0% | $3,740-67.1% | $2,671-53.9% |
| Participant deferral / active EE | $1,996 | $3,660-45.5% | $4,880-59.1% | $4,126-51.6% |
| Admin fee / account holder | $1,433 | $5,219-72.5% | $6,735-78.7% | $5,651-74.6% |