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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 | $62,980 | $73,978-14.9% | $96,515-34.7% | $75,173-16.2% |
| Participation rate | 18.8% | 66.4%-47.7pp | 74.3%-55.6pp | 67.2%-48.5pp |
| Annual return | 17.18% | 26.72%-9.5pp | 35.73%-18.5pp | 160.72%-143.5pp |
| Employer contribution / active EE | $1,175 | $2,931-59.9% | $3,740-68.6% | $2,671-56.0% |
| Participant deferral / active EE | $1,534 | $3,660-58.1% | $4,880-68.6% | $4,126-62.8% |
| Admin fee / account holder | $2,522 | $5,219-51.7% | $6,735-62.6% | $5,651-55.4% |