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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 | $99,128 | $153,311-35.3% | $109,313-9.3% | $273,972-63.8% |
| Participation rate | 33.3% | 80.1%-46.8pp | 71.3%-37.9pp | 83.0%-49.7pp |
| Annual return | 3.45% | 29.86%-26.4pp | 22.07%-18.6pp | 41.46%-38.0pp |
| Employer contribution / active EE | $709 | $5,619-87.4% | $3,892-81.8% | $4,869-85.4% |
| Participant deferral / active EE | $1,422 | $3,932-63.8% | $3,166-55.1% | $5,287-73.1% |
| Admin fee / account holder | $2,608 | $8,076-67.7% | $5,666-54.0% | $10,133-74.3% |