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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 | $69,266 | $93,598-26.0% | $135,974-49.1% | $75,173-7.9% |
| Participation rate | 41.4% | 75.2%-33.8pp | 81.9%-40.5pp | 67.2%-25.8pp |
| Annual return | 17.41% | 30.89%-13.5pp | 68.30%-50.9pp | 160.72%-143.3pp |
| Employer contribution / active EE | $1,023 | $3,538-71.1% | $4,859-78.9% | $2,671-61.7% |
| Participant deferral / active EE | $2,818 | $6,405-56.0% | $7,760-63.7% | $4,126-31.7% |
| Admin fee / account holder | $1,079 | $6,978-84.5% | $10,767-90.0% | $5,651-80.9% |