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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 | $38,350 | $106,864-64.1% | $147,318-74.0% | $82,637-53.6% |
| Participation rate | 62.2% | 75.5%-13.3pp | 82.1%-19.9pp | 68.1%-5.9pp |
| Annual return | 17.65% | 27.49%-9.8pp | 70.43%-52.8pp | 53.51%-35.9pp |
| Employer contribution / active EE | $1,341 | $3,417-60.8% | $4,593-70.8% | $2,552-47.5% |
| Participant deferral / active EE | $3,416 | $6,496-47.4% | $7,906-56.8% | $4,126-17.2% |
| Admin fee / account holder | $771 | $8,415-90.8% | $13,708-94.4% | $7,339-89.5% |