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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 | $64,485 | $81,358-20.7% | $155,556-58.5% | $80,959-20.3% |
| Participation rate | 23.3% | 66.3%-42.9pp | 78.2%-54.9pp | 67.7%-44.3pp |
| Annual return | 24.39% | 33.39%-9.0pp | 64.84%-40.5pp | 35.67%-11.3pp |
| Employer contribution / active EE | $535 | $3,106-82.8% | $4,675-88.6% | $2,757-80.6% |
| Participant deferral / active EE | $1,427 | $3,455-58.7% | $5,631-74.7% | $4,300-66.8% |
| Admin fee / account holder | $387 | $7,994-95.2% | $15,885-97.6% | $6,925-94.4% |