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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 | $75,597 | $88,360-14.4% | $145,433-48.0% | $67,986+11.2% |
| Participation rate | 34.6% | 65.5%-30.8pp | 82.1%-47.5pp | 57.2%-22.6pp |
| Annual return | 15.39% | 63.15%-47.8pp | 66.58%-51.2pp | 31.67%-16.3pp |
| Employer contribution / active EE | $1,236 | $3,054-59.5% | $4,554-72.9% | $2,019-38.8% |
| Participant deferral / active EE | $2,177 | $5,932-63.3% | $7,897-72.4% | $3,358-35.2% |
| Admin fee / account holder | $2,524 | $3,313-23.8% | $13,129-80.8% | $3,203-21.2% |