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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 | $65,703 | $95,404-31.1% | $113,397-42.1% | $82,637-20.5% |
| Participation rate | 43.8% | 72.8%-29.1pp | 76.5%-32.7pp | 68.1%-24.3pp |
| Annual return | 16.23% | 19.08%-2.8pp | 23.20%-7.0pp | 53.51%-37.3pp |
| Employer contribution / active EE | $1,412 | $2,307-38.8% | $2,977-52.6% | $2,552-44.7% |
| Participant deferral / active EE | $3,843 | $4,220-8.9% | $5,076-24.3% | $4,126-6.9% |
| Admin fee / account holder | $1,052 | $9,168-88.5% | $11,957-91.2% | $7,339-85.7% |