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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 | $74,482 | $49,024+51.9% | $112,860-34.0% | $87,485-14.9% |
| Participation rate | 33.8% | 62.2%-28.3pp | 66.3%-32.5pp | 68.9%-35.1pp |
| Annual return | 19.74% | 43.86%-24.1pp | 35.26%-15.5pp | 26.06%-6.3pp |
| Employer contribution / active EE | $878 | $1,290-32.0% | $2,206-60.2% | $2,596-66.2% |
| Participant deferral / active EE | $2,634 | $2,209+19.2% | $3,493-24.6% | $4,274-38.4% |
| Admin fee / account holder | $328 | $6,266-94.8% | $6,841-95.2% | $7,775-95.8% |