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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 | $77,238 | $73,787+4.7% | $98,716-21.8% | $82,448-6.3% |
| Participation rate | 47.0% | 61.4%-14.4pp | 69.3%-22.3pp | 68.1%-21.1pp |
| Annual return | 17.88% | 18.57%-0.7pp | 31.81%-13.9pp | 41.64%-23.8pp |
| Employer contribution / active EE | $382 | $1,511-74.7% | $2,279-83.2% | $2,551-85.0% |
| Participant deferral / active EE | $2,250 | $3,081-27.0% | $4,048-44.4% | $4,139-45.7% |
| Admin fee / account holder | $3,374 | $6,500-48.1% | $8,703-61.2% | $7,234-53.4% |