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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 | $61,942 | $85,515-27.6% | $112,040-44.7% | $67,986-8.9% |
| Participation rate | 36.7% | 68.2%-31.5pp | 76.5%-39.8pp | 57.2%-20.5pp |
| Annual return | 22.77% | 29.68%-6.9pp | 24.52%-1.8pp | 31.67%-8.9pp |
| Employer contribution / active EE | $1,863 | $2,191-15.0% | $2,954-36.9% | $2,019-7.7% |
| Participant deferral / active EE | $3,561 | $4,014-11.3% | $5,098-30.1% | $3,358+6.1% |
| Admin fee / account holder | $16,857 | $3,774+346.7% | $12,098+39.3% | $3,203+426.3% |