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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 | $81,185 | $53,774+51.0% | $134,162-39.5% | $79,856+1.7% |
| Participation rate | 36.9% | 58.8%-21.8pp | 72.2%-35.3pp | 69.6%-32.7pp |
| Annual return | 15.27% | 19.01%-3.7pp | 36.35%-21.1pp | 31.71%-16.4pp |
| Employer contribution / active EE | $896 | $1,322-32.2% | $3,705-75.8% | $2,471-63.8% |
| Participant deferral / active EE | $2,266 | $2,420-6.4% | $3,500-35.3% | $3,741-39.4% |
| Admin fee / account holder | $412 | $3,985-89.7% | $6,685-93.8% | $5,306-92.2% |