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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 | $63,637 | $76,407-16.7% | $150,298-57.7% | $82,448-22.8% |
| Participation rate | 48.1% | 66.4%-18.2pp | 77.8%-29.6pp | 68.1%-19.9pp |
| Annual return | 15.97% | 39.99%-24.0pp | 62.79%-46.8pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,057 | $2,614-59.6% | $4,154-74.6% | $2,551-58.6% |
| Participant deferral / active EE | $1,498 | $3,214-53.4% | $5,453-72.5% | $4,139-63.8% |
| Admin fee / account holder | $919 | $6,352-85.5% | $14,116-93.5% | $7,234-87.3% |