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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 | $82,188 | $81,504+0.8% | $102,437-19.8% | $80,959+1.5% |
| Participation rate | 30.3% | 66.9%-36.5pp | 74.5%-44.2pp | 67.7%-37.4pp |
| Annual return | 17.35% | 25.60%-8.2pp | 24.95%-7.6pp | 35.67%-18.3pp |
| Employer contribution / active EE | $1,319 | $3,104-57.5% | $3,871-65.9% | $2,757-52.2% |
| Participant deferral / active EE | $2,611 | $3,871-32.6% | $5,060-48.4% | $4,300-39.3% |
| Admin fee / account holder | $3,268 | $6,719-51.4% | $8,388-61.0% | $6,925-52.8% |