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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 | $76,561 | $81,504-6.1% | $102,437-25.3% | $80,959-5.4% |
| Participation rate | 25.8% | 66.9%-41.0pp | 74.5%-48.7pp | 67.7%-41.9pp |
| Annual return | 11.05% | 25.60%-14.5pp | 24.95%-13.9pp | 35.67%-24.6pp |
| Employer contribution / active EE | $1,038 | $3,104-66.6% | $3,871-73.2% | $2,757-62.4% |
| Participant deferral / active EE | $2,492 | $3,871-35.6% | $5,060-50.8% | $4,300-42.1% |
| Admin fee / account holder | $16,435 | $6,719+144.6% | $8,388+95.9% | $6,925+137.3% |