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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 | $72,694 | $25,014+190.6% | $69,632+4.4% | $80,959-10.2% |
| Participation rate | 23.1% | 64.2%-41.1pp | 66.4%-43.3pp | 67.7%-44.6pp |
| Annual return | 15.03% | 19.08%-4.0pp | 101.32%-86.3pp | 35.67%-20.6pp |
| Employer contribution / active EE | $653 | $991-34.1% | $1,708-61.8% | $2,757-76.3% |
| Participant deferral / active EE | $2,239 | $1,840+21.7% | $2,889-22.5% | $4,300-47.9% |
| Admin fee / account holder | $649 | $2,491-73.9% | $4,695-86.2% | $6,925-90.6% |