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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 | $68,924 | $110,137-37.4% | $161,149-57.2% | $82,637-16.6% |
| Participation rate | 38.5% | 72.4%-33.9pp | 78.8%-40.4pp | 68.1%-29.6pp |
| Annual return | 13.28% | 20.69%-7.4pp | 21.16%-7.9pp | 53.51%-40.2pp |
| Employer contribution / active EE | $869 | $2,856-69.6% | $4,360-80.1% | $2,552-66.0% |
| Participant deferral / active EE | $3,592 | $4,575-21.5% | $6,153-41.6% | $4,126-13.0% |
| Admin fee / account holder | $3,593 | $9,467-62.0% | $15,194-76.4% | $7,339-51.0% |