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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 | $83,873 | $81,504+2.9% | $102,437-18.1% | $80,959+3.6% |
| Participation rate | 38.7% | 66.9%-28.1pp | 74.5%-35.8pp | 67.7%-29.0pp |
| Annual return | 18.39% | 25.60%-7.2pp | 24.95%-6.6pp | 35.67%-17.3pp |
| Employer contribution / active EE | $880 | $3,104-71.7% | $3,871-77.3% | $2,757-68.1% |
| Participant deferral / active EE | $3,477 | $3,871-10.2% | $5,060-31.3% | $4,300-19.2% |
| Admin fee / account holder | $757 | $6,719-88.7% | $8,388-91.0% | $6,925-89.1% |