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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 | $71,646 | $81,233-11.8% | $155,567-53.9% | $80,874-11.4% |
| Participation rate | 35.7% | 66.2%-30.5pp | 78.2%-42.5pp | 67.6%-31.9pp |
| Annual return | 19.59% | 33.33%-13.7pp | 64.74%-45.1pp | 35.62%-16.0pp |
| Employer contribution / active EE | $1,199 | $3,101-61.3% | $4,674-74.3% | $2,756-56.5% |
| Participant deferral / active EE | $3,950 | $3,452+14.4% | $5,628-29.8% | $4,297-8.1% |
| Admin fee / account holder | $2,603 | $7,998-67.5% | $15,916-83.6% | $6,935-62.5% |