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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 | $75,991 | $47,848+58.8% | $81,473-6.7% | $70,126+8.4% |
| Participation rate | 35.6% | 58.3%-22.7pp | 68.0%-32.4pp | 69.5%-33.9pp |
| Annual return | 18.30% | 27.25%-9.0pp | 38.78%-20.5pp | 73.15%-54.9pp |
| Employer contribution / active EE | $1,019 | $1,527-33.3% | $2,568-60.3% | $2,343-56.5% |
| Participant deferral / active EE | $2,542 | $2,453+3.6% | $3,537-28.1% | $3,332-23.7% |
| Admin fee / account holder | $1,231 | $3,145-60.8% | $4,561-73.0% | $4,645-73.5% |