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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 | $69,283 | $81,504-15.0% | $102,437-32.4% | $80,959-14.4% |
| Participation rate | 31.3% | 66.9%-35.6pp | 74.5%-43.3pp | 67.7%-36.4pp |
| Annual return | 10.69% | 25.60%-14.9pp | 24.95%-14.3pp | 35.67%-25.0pp |
| Employer contribution / active EE | $887 | $3,104-71.4% | $3,871-77.1% | $2,757-67.8% |
| Participant deferral / active EE | $1,798 | $3,871-53.6% | $5,060-64.5% | $4,300-58.2% |
| Admin fee / account holder | $844 | $6,719-87.4% | $8,388-89.9% | $6,925-87.8% |