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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 | $70,661 | $78,015-9.4% | $178,505-60.4% | $80,959-12.7% |
| Participation rate | 53.3% | 65.7%-12.3pp | 77.1%-23.8pp | 67.7%-14.3pp |
| Annual return | 14.35% | 18.10%-3.8pp | 27.16%-12.8pp | 35.67%-21.3pp |
| Employer contribution / active EE | $1,218 | $2,281-46.6% | $3,955-69.2% | $2,757-55.8% |
| Participant deferral / active EE | $1,641 | $4,406-62.7% | $6,280-73.9% | $4,300-61.8% |
| Admin fee / account holder | $1,548 | $7,160-78.4% | $10,428-85.2% | $6,925-77.6% |