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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 | $95,453-31.2% | $112,040-41.4% | $82,448-20.3% |
| Participation rate | 43.8% | 72.8%-29.0pp | 76.5%-32.7pp | 68.1%-24.3pp |
| Annual return | 16.23% | 23.92%-7.7pp | 24.52%-8.3pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,412 | $2,318-39.1% | $2,954-52.2% | $2,551-44.7% |
| Participant deferral / active EE | $3,843 | $4,224-9.0% | $5,098-24.6% | $4,139-7.2% |
| Admin fee / account holder | $1,052 | $9,013-88.3% | $12,098-91.3% | $7,234-85.5% |