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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 | $74,338 | $99,345-25.2% | $84,753-12.3% | $273,972-72.9% |
| Participation rate | 57.9% | 80.7%-22.8pp | 76.6%-18.7pp | 83.0%-25.1pp |
| Annual return | 3.18% | 22.93%-19.7pp | 22.78%-19.6pp | 41.46%-38.3pp |
| Employer contribution / active EE | $894 | $4,214-78.8% | $3,574-75.0% | $4,869-81.6% |
| Participant deferral / active EE | $2,948 | $4,270-31.0% | $3,712-20.6% | $5,287-44.2% |
| Admin fee / account holder | $340 | $6,645-94.9% | $5,333-93.6% | $10,133-96.6% |