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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 | $79,751 | $73,787+8.1% | $98,716-19.2% | $82,448-3.3% |
| Participation rate | 25.9% | 61.4%-35.5pp | 69.3%-43.4pp | 68.1%-42.1pp |
| Annual return | 15.91% | 18.57%-2.7pp | 31.81%-15.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $585 | $1,511-61.3% | $2,279-74.3% | $2,551-77.1% |
| Participant deferral / active EE | $2,270 | $3,081-26.3% | $4,048-43.9% | $4,139-45.2% |
| Admin fee / account holder | $892 | $6,500-86.3% | $8,703-89.7% | $7,234-87.7% |