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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 | $53,767 | $78,015-31.1% | $178,505-69.9% | $80,959-33.6% |
| Participation rate | 28.1% | 65.7%-37.5pp | 77.1%-49.0pp | 67.7%-39.5pp |
| Annual return | 12.24% | 18.10%-5.9pp | 27.16%-14.9pp | 35.67%-23.4pp |
| Employer contribution / active EE | $1,428 | $2,281-37.4% | $3,955-63.9% | $2,757-48.2% |
| Participant deferral / active EE | $3,364 | $4,406-23.7% | $6,280-46.4% | $4,300-21.8% |
| Admin fee / account holder | $511 | $7,160-92.9% | $10,428-95.1% | $6,925-92.6% |