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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 | $68,050 | $70,475-3.4% | $100,525-32.3% | $79,860-14.8% |
| Participation rate | 68.2% | 73.7%-5.5pp | 79.4%-11.2pp | 69.6%-1.5pp |
| Annual return | 24.48% | 21.90%+2.6pp | 30.89%-6.4pp | 31.72%-7.2pp |
| Employer contribution / active EE | $1,008 | $2,165-53.4% | $3,418-70.5% | $2,471-59.2% |
| Participant deferral / active EE | $3,135 | $5,181-39.5% | $6,270-50.0% | $3,740-16.2% |
| Admin fee / account holder | $7,833 | $4,478+74.9% | $8,082-3.1% | $5,306+47.6% |