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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 | $100,194-34.4% | $122,979-46.6% | $86,983-24.5% |
| Participation rate | 43.8% | 73.0%-29.2pp | 77.2%-33.4pp | 69.5%-25.8pp |
| Annual return | 16.23% | 16.47%-0.2pp | 20.12%-3.9pp | 25.83%-9.6pp |
| Employer contribution / active EE | $1,412 | $2,326-39.3% | $3,062-53.9% | $2,584-45.4% |
| Participant deferral / active EE | $3,843 | $4,133-7.0% | $5,003-23.2% | $4,194-8.4% |
| Admin fee / account holder | $1,052 | $10,148-89.6% | $12,864-91.8% | $7,856-86.6% |