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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 | $60,273 | $43,075+39.9% | $74,577-19.2% | $62,881-4.1% |
| Participation rate | 30.0% | 58.1%-28.1pp | 68.1%-38.1pp | 69.3%-39.3pp |
| Annual return | 10.20% | 17.50%-7.3pp | 20.47%-10.3pp | 20.14%-9.9pp |
| Employer contribution / active EE | $756 | $1,498-49.5% | $2,525-70.1% | $2,281-66.9% |
| Participant deferral / active EE | $2,005 | $2,389-16.1% | $3,458-42.0% | $3,203-37.4% |
| Admin fee / account holder | $719 | $2,840-74.7% | $4,138-82.6% | $4,296-83.3% |