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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 | $32,276 | $80,983-60.1% | $96,544-66.6% | $75,177-57.1% |
| Participation rate | 66.3% | 71.8%-5.5pp | 76.0%-9.7pp | 67.2%-1.0pp |
| Annual return | 14.57% | 27.05%-12.5pp | 25.88%-11.3pp | 160.75%-146.2pp |
| Employer contribution / active EE | $1,372 | $2,282-39.9% | $2,966-53.8% | $2,671-48.6% |
| Participant deferral / active EE | $3,334 | $3,929-15.1% | $4,851-31.3% | $4,126-19.2% |
| Admin fee / account holder | $4,804 | $6,717-28.5% | $8,254-41.8% | $5,651-15.0% |