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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 | $79,673 | $90,400-11.9% | $186,193-57.2% | $87,485-8.9% |
| Participation rate | 35.7% | 66.2%-30.5pp | 77.1%-41.4pp | 68.9%-33.2pp |
| Annual return | 20.57% | 22.15%-1.6pp | 78.03%-57.5pp | 26.06%-5.5pp |
| Employer contribution / active EE | $1,512 | $2,170-30.4% | $3,918-61.4% | $2,596-41.8% |
| Participant deferral / active EE | $3,131 | $4,330-27.7% | $6,513-51.9% | $4,274-26.7% |
| Admin fee / account holder | $354 | $8,673-95.9% | $11,058-96.8% | $7,775-95.5% |