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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 | $81,446-5.4% | $103,374-25.5% | $80,874-4.8% |
| Participation rate | 38.0% | 66.9%-28.9pp | 74.5%-36.5pp | 67.6%-29.6pp |
| Annual return | 18.22% | 25.57%-7.3pp | 24.89%-6.7pp | 35.62%-17.4pp |
| Employer contribution / active EE | $1,236 | $3,107-60.2% | $3,869-68.1% | $2,756-55.2% |
| Participant deferral / active EE | $3,652 | $3,870-5.6% | $5,058-27.8% | $4,297-15.0% |
| Admin fee / account holder | $3,947 | $6,715-41.2% | $8,394-53.0% | $6,935-43.1% |