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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 | $70,961 | $86,949-18.4% | $102,460-30.7% | $80,959-12.3% |
| Participation rate | 63.3% | 72.4%-9.1pp | 76.5%-13.2pp | 67.7%-4.3pp |
| Annual return | 12.34% | 18.89%-6.6pp | 29.47%-17.1pp | 35.67%-23.3pp |
| Employer contribution / active EE | $1,210 | $2,370-48.9% | $3,025-60.0% | $2,757-56.1% |
| Participant deferral / active EE | $3,862 | $4,121-6.3% | $5,056-23.6% | $4,300-10.2% |
| Admin fee / account holder | $2,520 | $8,048-68.7% | $9,460-73.4% | $6,925-63.6% |