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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 | $81,487-15.0% | $102,412-32.4% | $80,935-14.5% |
| Participation rate | 31.3% | 66.8%-35.6pp | 74.5%-43.3pp | 67.7%-36.4pp |
| Annual return | 15.15% | 25.60%-10.4pp | 24.94%-9.8pp | 35.66%-20.5pp |
| Employer contribution / active EE | $1,513 | $3,103-51.3% | $3,870-60.9% | $2,757-45.1% |
| Participant deferral / active EE | $2,874 | $3,871-25.7% | $5,060-43.2% | $4,299-33.2% |
| Admin fee / account holder | $7,528 | $6,717+12.1% | $8,388-10.2% | $6,924+8.7% |