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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 | $76,902 | $59,804+28.6% | $81,982-6.2% | $79,856-3.7% |
| Participation rate | 38.2% | 61.6%-23.4pp | 69.3%-31.1pp | 69.6%-31.5pp |
| Annual return | 18.53% | 17.56%+1.0pp | 41.31%-22.8pp | 31.71%-13.2pp |
| Employer contribution / active EE | $493 | $1,713-71.2% | $2,498-80.3% | $2,471-80.0% |
| Participant deferral / active EE | $2,320 | $2,695-13.9% | $3,722-37.7% | $3,741-38.0% |
| Admin fee / account holder | $744 | $4,288-82.6% | $5,665-86.9% | $5,306-86.0% |