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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 | $51,684 | $104,098-50.4% | $140,514-63.2% | $94,015-45.0% |
| Participation rate | 68.9% | 73.7%-4.8pp | 77.8%-8.9pp | 70.8%-1.9pp |
| Annual return | 12.99% | 15.14%-2.1pp | 14.36%-1.4pp | 17.84%-4.9pp |
| Employer contribution / active EE | $1,713 | $2,388-28.3% | $3,378-49.3% | $2,790-38.6% |
| Participant deferral / active EE | $3,149 | $4,033-21.9% | $4,919-36.0% | $4,249-25.9% |
| Admin fee / account holder | $1,614 | $10,439-84.5% | $13,697-88.2% | $8,951-82.0% |