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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 | $77,020 | $81,504-5.5% | $102,437-24.8% | $80,959-4.9% |
| Participation rate | 38.0% | 66.9%-28.9pp | 74.5%-36.5pp | 67.7%-29.7pp |
| Annual return | 18.22% | 25.60%-7.4pp | 24.95%-6.7pp | 35.67%-17.4pp |
| Employer contribution / active EE | $1,236 | $3,104-60.2% | $3,871-68.1% | $2,757-55.2% |
| Participant deferral / active EE | $3,652 | $3,871-5.6% | $5,060-27.8% | $4,300-15.1% |
| Admin fee / account holder | $3,947 | $6,719-41.3% | $8,388-53.0% | $6,925-43.0% |