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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 | $67,668 | $57,119+18.5% | $85,187-20.6% | $80,935-16.4% |
| Participation rate | 24.2% | 56.4%-32.2pp | 67.5%-43.3pp | 67.7%-43.4pp |
| Annual return | 13.73% | 21.70%-8.0pp | 66.67%-52.9pp | 35.66%-21.9pp |
| Employer contribution / active EE | $361 | $1,802-80.0% | $2,732-86.8% | $2,757-86.9% |
| Participant deferral / active EE | $2,778 | $3,115-10.8% | $4,525-38.6% | $4,299-35.4% |
| Admin fee / account holder | $492 | $4,990-90.1% | $6,162-92.0% | $6,924-92.9% |