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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 | $68,788 | $81,331-15.4% | $155,534-55.8% | $80,935-15.0% |
| Participation rate | 45.6% | 66.3%-20.7pp | 78.2%-32.7pp | 67.7%-22.1pp |
| Annual return | 20.66% | 33.37%-12.7pp | 64.92%-44.3pp | 35.66%-15.0pp |
| Employer contribution / active EE | $758 | $3,105-75.6% | $4,675-83.8% | $2,757-72.5% |
| Participant deferral / active EE | $1,720 | $3,454-50.2% | $5,630-69.5% | $4,299-60.0% |
| Admin fee / account holder | $806 | $7,999-89.9% | $15,900-94.9% | $6,924-88.4% |