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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 | $83,407 | $97,550-14.5% | $120,344-30.7% | $87,485-4.7% |
| Participation rate | 48.1% | 72.8%-24.7pp | 76.7%-28.6pp | 68.9%-20.8pp |
| Annual return | 14.85% | 18.41%-3.6pp | 20.30%-5.5pp | 26.06%-11.2pp |
| Employer contribution / active EE | $1,481 | $2,291-35.3% | $3,020-51.0% | $2,596-42.9% |
| Participant deferral / active EE | $3,138 | $4,230-25.8% | $5,135-38.9% | $4,274-26.6% |
| Admin fee / account holder | $7,767 | $9,543-18.6% | $12,742-39.0% | $7,775-0.1% |