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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 | $73,025 | $80,731-9.5% | $103,378-29.4% | $74,400-1.8% |
| Participation rate | 30.5% | 65.7%-35.2pp | 74.5%-44.0pp | 67.2%-36.7pp |
| Annual return | 12.36% | 27.56%-15.2pp | 24.91%-12.5pp | 1367.51%-1355.2pp |
| Employer contribution / active EE | $1,277 | $3,159-59.6% | $3,870-67.0% | $2,624-51.4% |
| Participant deferral / active EE | $2,625 | $3,862-32.0% | $5,058-48.1% | $4,348-39.6% |
| Admin fee / account holder | $2,604 | $2,369+9.9% | $8,401-69.0% | $1,944+34.0% |