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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 | $69,227 | $81,446-15.0% | $103,374-33.0% | $80,874-14.4% |
| Participation rate | 31.3% | 66.9%-35.6pp | 74.5%-43.3pp | 67.6%-36.4pp |
| Annual return | 15.15% | 25.57%-10.4pp | 24.89%-9.7pp | 35.62%-20.5pp |
| Employer contribution / active EE | $1,513 | $3,107-51.3% | $3,869-60.9% | $2,756-45.1% |
| Participant deferral / active EE | $2,874 | $3,870-25.7% | $5,058-43.2% | $4,297-33.1% |
| Admin fee / account holder | $7,528 | $6,715+12.1% | $8,394-10.3% | $6,935+8.5% |