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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 | $67,492 | $132,310-49.0% | $105,754-36.2% | $273,972-75.4% |
| Participation rate | 64.7% | 83.2%-18.5pp | 78.9%-14.2pp | 83.0%-18.3pp |
| Annual return | 4.72% | 10.08%-5.4pp | 12.25%-7.5pp | 41.46%-36.7pp |
| Employer contribution / active EE | $1,308 | $4,867-73.1% | $4,079-67.9% | $4,869-73.1% |
| Participant deferral / active EE | $2,104 | $6,233-66.3% | $5,326-60.5% | $5,287-60.2% |
| Admin fee / account holder | $701 | $12,036-94.2% | $8,309-91.6% | $10,133-93.1% |