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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 | $86,922-18.7% | $102,438-31.0% | $80,874-12.6% |
| Participation rate | 34.2% | 72.4%-38.1pp | 76.5%-42.2pp | 67.6%-33.4pp |
| Annual return | 13.99% | 18.90%-4.9pp | 29.37%-15.4pp | 35.62%-21.6pp |
| Employer contribution / active EE | $1,734 | $2,369-26.8% | $3,024-42.7% | $2,756-37.1% |
| Participant deferral / active EE | $2,501 | $4,119-39.3% | $5,054-50.5% | $4,297-41.8% |
| Admin fee / account holder | $1,036 | $8,050-87.1% | $9,448-89.0% | $6,935-85.1% |