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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 | $83,464 | $73,988+12.8% | $96,538-13.5% | $75,177+11.0% |
| Participation rate | 20.0% | 66.4%-46.4pp | 74.3%-54.3pp | 67.2%-47.2pp |
| Annual return | 20.08% | 26.73%-6.6pp | 35.74%-15.7pp | 160.75%-140.7pp |
| Employer contribution / active EE | $750 | $2,930-74.4% | $3,740-79.9% | $2,671-71.9% |
| Participant deferral / active EE | $2,802 | $3,660-23.4% | $4,880-42.6% | $4,126-32.1% |
| Admin fee / account holder | $11,017 | $5,220+111.1% | $6,737+63.5% | $5,651+95.0% |