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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 | $81,131 | $76,834+5.6% | $108,359-25.1% | $87,485-7.3% |
| Participation rate | 53.8% | 61.7%-7.9pp | 70.1%-16.3pp | 68.9%-15.1pp |
| Annual return | 19.15% | 19.09%+0.1pp | 36.89%-17.7pp | 26.06%-6.9pp |
| Employer contribution / active EE | $908 | $1,556-41.7% | $2,399-62.2% | $2,596-65.0% |
| Participant deferral / active EE | $2,580 | $3,100-16.8% | $4,137-37.6% | $4,274-39.6% |
| Admin fee / account holder | $633 | $6,537-90.3% | $9,741-93.5% | $7,775-91.9% |