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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 | $35,107 | $71,197-50.7% | $93,669-62.5% | $80,925-56.6% |
| Participation rate | 55.9% | 60.4%-4.5pp | 68.7%-12.8pp | 67.7%-11.8pp |
| Annual return | 18.26% | 11.27%+7.0pp | 133.59%-115.3pp | 35.65%-17.4pp |
| Employer contribution / active EE | $2,033 | $1,565+30.0% | $2,424-16.1% | $2,756-26.2% |
| Participant deferral / active EE | $3,808 | $4,036-5.6% | $4,416-13.8% | $4,299-11.4% |
| Admin fee / account holder | $860 | $6,959-87.6% | $8,291-89.6% | $6,940-87.6% |