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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 | $71,057-50.6% | $93,654-62.5% | $80,874-56.6% |
| Participation rate | 55.9% | 60.4%-4.5pp | 68.7%-12.8pp | 67.6%-11.8pp |
| Annual return | 18.26% | 11.26%+7.0pp | 133.34%-115.1pp | 35.62%-17.4pp |
| Employer contribution / active EE | $2,033 | $1,564+30.0% | $2,421-16.0% | $2,756-26.2% |
| Participant deferral / active EE | $3,808 | $4,034-5.6% | $4,413-13.7% | $4,297-11.4% |
| Admin fee / account holder | $860 | $6,944-87.6% | $8,282-89.6% | $6,935-87.6% |