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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 | $70,644 | $86,949-18.8% | $102,460-31.1% | $80,959-12.7% |
| Participation rate | 34.2% | 72.4%-38.1pp | 76.5%-42.3pp | 67.7%-33.4pp |
| Annual return | 13.99% | 18.89%-4.9pp | 29.47%-15.5pp | 35.67%-21.7pp |
| Employer contribution / active EE | $1,734 | $2,370-26.8% | $3,025-42.7% | $2,757-37.1% |
| Participant deferral / active EE | $2,501 | $4,121-39.3% | $5,056-50.5% | $4,300-41.8% |
| Admin fee / account holder | $1,036 | $8,048-87.1% | $9,460-89.0% | $6,925-85.0% |