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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 | $99,875-65.7% | $146,866-76.7% | $86,983-60.6% |
| Participation rate | 68.6% | 75.8%-7.2pp | 82.5%-13.9pp | 69.5%-1.0pp |
| Annual return | 18.84% | 28.10%-9.3pp | 102.85%-84.0pp | 25.83%-7.0pp |
| Employer contribution / active EE | $2,248 | $3,224-30.3% | $4,425-49.2% | $2,584-13.0% |
| Participant deferral / active EE | $3,526 | $6,322-44.2% | $7,759-54.6% | $4,194-15.9% |
| Admin fee / account holder | $2,967 | $7,838-62.1% | $13,620-78.2% | $7,856-62.2% |