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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 | $60,559 | $67,602-10.4% | $82,312-26.4% | $70,126-13.6% |
| Participation rate | 49.1% | 72.8%-23.7pp | 76.9%-27.8pp | 69.5%-20.5pp |
| Annual return | 17.88% | 21.57%-3.7pp | 25.88%-8.0pp | 73.15%-55.3pp |
| Employer contribution / active EE | $1,129 | $1,755-35.7% | $2,428-53.5% | $2,343-51.8% |
| Participant deferral / active EE | $2,694 | $2,987-9.8% | $3,706-27.3% | $3,332-19.2% |
| Admin fee / account holder | $340 | $4,512-92.5% | $5,608-93.9% | $4,645-92.7% |