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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 | $59,922 | $52,580+14.0% | $71,671-16.4% | $70,126-14.6% |
| Participation rate | 47.2% | 60.9%-13.7pp | 68.7%-21.5pp | 69.5%-22.3pp |
| Annual return | 17.49% | 20.25%-2.8pp | 20.65%-3.2pp | 73.15%-55.7pp |
| Employer contribution / active EE | $380 | $1,616-76.5% | $2,460-84.5% | $2,343-83.8% |
| Participant deferral / active EE | $1,835 | $2,386-23.1% | $3,438-46.6% | $3,332-44.9% |
| Admin fee / account holder | $2,243 | $3,653-38.6% | $5,558-59.7% | $4,645-51.7% |