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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 | $50,707 | $67,602-25.0% | $82,312-38.4% | $70,126-27.7% |
| Participation rate | 69.2% | 72.8%-3.5pp | 76.9%-7.7pp | 69.5%-0.3pp |
| Annual return | 12.80% | 21.57%-8.8pp | 25.88%-13.1pp | 73.15%-60.3pp |
| Employer contribution / active EE | $371 | $1,755-78.9% | $2,428-84.7% | $2,343-84.2% |
| Participant deferral / active EE | $1,480 | $2,987-50.5% | $3,706-60.1% | $3,332-55.6% |
| Admin fee / account holder | $3,130 | $4,512-30.6% | $5,608-44.2% | $4,645-32.6% |