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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 | $65,692 | $83,898-21.7% | $133,346-50.7% | $94,015-30.1% |
| Participation rate | 62.7% | 63.4%-0.6pp | 72.8%-10.1pp | 70.8%-8.1pp |
| Annual return | 11.96% | 16.00%-4.0pp | 36.85%-24.9pp | 17.84%-5.9pp |
| Employer contribution / active EE | $1,087 | $1,821-40.3% | $2,853-61.9% | $2,790-61.1% |
| Participant deferral / active EE | $2,226 | $3,245-31.4% | $4,332-48.6% | $4,249-47.6% |
| Admin fee / account holder | $1,633 | $7,809-79.1% | $14,264-88.5% | $8,951-81.8% |