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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 | $75,366 | $81,504-7.5% | $102,437-26.4% | $80,959-6.9% |
| Participation rate | 24.0% | 66.9%-42.9pp | 74.5%-50.5pp | 67.7%-43.7pp |
| Annual return | 34.35% | 25.60%+8.7pp | 24.95%+9.4pp | 35.67%-1.3pp |
| Employer contribution / active EE | $816 | $3,104-73.7% | $3,871-78.9% | $2,757-70.4% |
| Participant deferral / active EE | $1,870 | $3,871-51.7% | $5,060-63.0% | $4,300-56.5% |
| Admin fee / account holder | $17,530 | $6,719+160.9% | $8,388+109.0% | $6,925+153.1% |