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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 | $28,017 | $75,058-62.7% | $152,301-81.6% | $64,340-56.5% |
| Participation rate | 53.9% | 60.9%-7.0pp | 82.4%-28.5pp | 55.2%-1.3pp |
| Annual return | 32.94% | 29.93%+3.0pp | 80.50%-47.6pp | 24.14%+8.8pp |
| Employer contribution / active EE | $1,040 | $2,605-60.1% | $4,624-77.5% | $1,862-44.1% |
| Participant deferral / active EE | $3,086 | $5,041-38.8% | $8,004-61.4% | $2,980+3.6% |
| Admin fee / account holder | $3,419 | $4,050-15.6% | $14,398-76.3% | $3,703-7.7% |