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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 | $73,704 | $90,400-18.5% | $186,193-60.4% | $87,485-15.8% |
| Participation rate | 44.4% | 66.2%-21.7pp | 77.1%-32.7pp | 68.9%-24.5pp |
| Annual return | 14.79% | 22.15%-7.4pp | 78.03%-63.2pp | 26.06%-11.3pp |
| Employer contribution / active EE | $865 | $2,170-60.2% | $3,918-77.9% | $2,596-66.7% |
| Participant deferral / active EE | $3,443 | $4,330-20.5% | $6,513-47.1% | $4,274-19.4% |
| Admin fee / account holder | $15,188 | $8,673+75.1% | $11,058+37.4% | $7,775+95.4% |