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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 | $78,519 | $115,931-32.3% | $185,441-57.7% | $86,983-9.7% |
| Participation rate | 61.5% | 73.6%-12.1pp | 80.3%-18.7pp | 69.5%-8.0pp |
| Annual return | 12.13% | 21.47%-9.3pp | 20.16%-8.0pp | 25.83%-13.7pp |
| Employer contribution / active EE | $1,160 | $2,937-60.5% | $4,672-75.2% | $2,584-55.1% |
| Participant deferral / active EE | $3,068 | $4,551-32.6% | $6,152-50.1% | $4,194-26.9% |
| Admin fee / account holder | $6,369 | $10,687-40.4% | $17,890-64.4% | $7,856-18.9% |