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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 | $97,279 | $69,383+40.2% | $101,271-3.9% | $73,493+32.4% |
| Participation rate | 35.9% | 68.4%-32.5pp | 75.8%-39.9pp | 70.7%-34.8pp |
| Annual return | 14.20% | 18.46%-4.3pp | 46.48%-32.3pp | 28.51%-14.3pp |
| Employer contribution / active EE | $611 | $2,628-76.8% | $3,660-83.3% | $2,270-73.1% |
| Participant deferral / active EE | $1,414 | $3,301-57.2% | $4,371-67.6% | $3,740-62.2% |
| Admin fee / account holder | $828 | $704+17.6% | $5,948-86.1% | $513+61.3% |