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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 | $81,824 | $64,920+26.0% | $103,693-21.1% | $86,983-5.9% |
| Participation rate | 26.9% | 63.6%-36.7pp | 72.6%-45.8pp | 69.5%-42.7pp |
| Annual return | 20.44% | 30.29%-9.8pp | 47.61%-27.2pp | 25.83%-5.4pp |
| Employer contribution / active EE | $734 | $2,141-65.7% | $2,920-74.9% | $2,584-71.6% |
| Participant deferral / active EE | $2,030 | $3,241-37.4% | $4,579-55.7% | $4,194-51.6% |
| Admin fee / account holder | $2,424 | $6,191-60.9% | $7,858-69.2% | $7,856-69.1% |