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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 | $67,758 | $76,696-11.7% | $96,538-29.8% | $71,529-5.3% |
| Participation rate | 27.6% | 66.6%-39.0pp | 74.3%-46.7pp | 67.9%-40.3pp |
| Annual return | 38.50% | 48.32%-9.8pp | 35.74%+2.8pp | 28.97%+9.5pp |
| Employer contribution / active EE | $1,070 | $3,032-64.7% | $3,740-71.4% | $2,590-58.7% |
| Participant deferral / active EE | $2,778 | $3,770-26.3% | $4,880-43.1% | $4,291-35.3% |
| Admin fee / account holder | $3,197 | $2,030+57.5% | $6,737-52.5% | $1,588+101.3% |