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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 | $81,358-11.9% | $155,556-53.9% | $80,959-11.5% |
| Participation rate | 35.7% | 66.3%-30.6pp | 78.2%-42.5pp | 67.7%-32.0pp |
| Annual return | 19.59% | 33.39%-13.8pp | 64.84%-45.2pp | 35.67%-16.1pp |
| Employer contribution / active EE | $1,199 | $3,106-61.4% | $4,675-74.4% | $2,757-56.5% |
| Participant deferral / active EE | $3,950 | $3,455+14.3% | $5,631-29.8% | $4,300-8.1% |
| Admin fee / account holder | $2,603 | $7,994-67.4% | $15,885-83.6% | $6,925-62.4% |