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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 | $38,082 | $94,031-59.5% | $115,768-67.1% | $82,448-53.8% |
| Participation rate | 59.2% | 70.4%-11.3pp | 74.4%-15.2pp | 68.1%-8.9pp |
| Annual return | 18.36% | 20.61%-2.2pp | 100.46%-82.1pp | 41.64%-23.3pp |
| Employer contribution / active EE | $1,321 | $2,323-43.1% | $2,940-55.1% | $2,551-48.2% |
| Participant deferral / active EE | $3,217 | $3,972-19.0% | $4,917-34.6% | $4,139-22.3% |
| Admin fee / account holder | $4,621 | $10,249-54.9% | $12,439-62.9% | $7,234-36.1% |