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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 | $93,014 | $57,140+62.8% | $85,240+9.1% | $80,959+14.9% |
| Participation rate | 47.5% | 56.4%-8.9pp | 67.5%-20.0pp | 67.7%-20.2pp |
| Annual return | 12.37% | 21.71%-9.3pp | 66.75%-54.4pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,019 | $1,802-43.4% | $2,735-62.7% | $2,757-63.0% |
| Participant deferral / active EE | $2,428 | $3,115-22.1% | $4,527-46.4% | $4,300-43.5% |
| Admin fee / account holder | $635 | $4,992-87.3% | $6,165-89.7% | $6,925-90.8% |