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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 | $69,235 | $57,057+21.3% | $85,009-18.6% | $80,874-14.4% |
| Participation rate | 36.5% | 56.4%-19.9pp | 67.5%-31.0pp | 67.6%-31.1pp |
| Annual return | 12.25% | 21.66%-9.4pp | 66.47%-54.2pp | 35.62%-23.4pp |
| Employer contribution / active EE | $827 | $1,799-54.0% | $2,728-69.7% | $2,756-70.0% |
| Participant deferral / active EE | $2,219 | $3,112-28.7% | $4,522-50.9% | $4,297-48.4% |
| Admin fee / account holder | $5,090 | $4,986+2.1% | $6,153-17.3% | $6,935-26.6% |