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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 | $65,885 | $77,896-15.4% | $134,172-50.9% | $82,448-20.1% |
| Participation rate | 42.6% | 62.8%-20.2pp | 72.5%-29.8pp | 68.1%-25.4pp |
| Annual return | 17.31% | 18.21%-0.9pp | 25.30%-8.0pp | 41.64%-24.3pp |
| Employer contribution / active EE | $1,569 | $2,159-27.3% | $3,420-54.1% | $2,551-38.5% |
| Participant deferral / active EE | $3,738 | $3,162+18.2% | $4,690-20.3% | $4,139-9.7% |
| Admin fee / account holder | $23,208 | $6,336+266.3% | $12,016+93.1% | $7,234+220.8% |