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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 | $56,856 | $73,787-22.9% | $98,716-42.4% | $82,448-31.0% |
| Participation rate | 51.3% | 61.4%-10.1pp | 69.3%-18.0pp | 68.1%-16.8pp |
| Annual return | 18.51% | 18.57%-0.1pp | 31.81%-13.3pp | 41.64%-23.1pp |
| Employer contribution / active EE | $708 | $1,511-53.1% | $2,279-68.9% | $2,551-72.2% |
| Participant deferral / active EE | $1,668 | $3,081-45.9% | $4,048-58.8% | $4,139-59.7% |
| Admin fee / account holder | $522 | $6,500-92.0% | $8,703-94.0% | $7,234-92.8% |