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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 | $34,272 | $107,421-68.1% | $182,262-81.2% | $94,015-63.5% |
| Participation rate | 68.6% | 77.8%-9.2pp | 84.2%-15.6pp | 70.8%-2.2pp |
| Annual return | 18.84% | 21.32%-2.5pp | 140.60%-121.8pp | 17.84%+1.0pp |
| Employer contribution / active EE | $2,248 | $3,448-34.8% | $5,046-55.4% | $2,790-19.4% |
| Participant deferral / active EE | $3,526 | $6,558-46.2% | $8,276-57.4% | $4,249-17.0% |
| Admin fee / account holder | $2,967 | $8,692-65.9% | $16,712-82.2% | $8,951-66.9% |