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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 | $40,401 | $61,605-34.4% | $112,273-64.0% | $75,173-46.3% |
| Participation rate | 58.4% | 61.7%-3.2pp | 72.4%-14.0pp | 67.2%-8.8pp |
| Annual return | 13.59% | 28.47%-14.9pp | 30.23%-16.6pp | 160.72%-147.1pp |
| Employer contribution / active EE | $1,451 | $2,015-28.0% | $3,431-57.7% | $2,671-45.7% |
| Participant deferral / active EE | $2,621 | $3,108-15.7% | $4,800-45.4% | $4,126-36.5% |
| Admin fee / account holder | $1,004 | $4,862-79.3% | $7,752-87.0% | $5,651-82.2% |