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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 | $53,796 | $69,444-22.5% | $92,985-42.1% | $87,485-38.5% |
| Participation rate | 28.6% | 63.3%-34.7pp | 69.5%-40.9pp | 68.9%-40.4pp |
| Annual return | 20.86% | 23.85%-3.0pp | 27.99%-7.1pp | 26.06%-5.2pp |
| Employer contribution / active EE | $658 | $1,917-65.7% | $2,662-75.3% | $2,596-74.7% |
| Participant deferral / active EE | $1,954 | $3,364-41.9% | $4,377-55.4% | $4,274-54.3% |
| Admin fee / account holder | $4,886 | $6,137-20.4% | $9,463-48.4% | $7,775-37.2% |