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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 | $71,171 | $54,541+30.5% | $78,778-9.7% | $70,126+1.5% |
| Participation rate | 53.3% | 60.8%-7.5pp | 69.2%-15.9pp | 69.5%-16.2pp |
| Annual return | 13.50% | 21.07%-7.6pp | 35.62%-22.1pp | 73.15%-59.6pp |
| Employer contribution / active EE | $601 | $1,089-44.8% | $1,986-69.7% | $2,343-74.4% |
| Participant deferral / active EE | $1,800 | $2,210-18.5% | $2,958-39.1% | $3,332-46.0% |
| Admin fee / account holder | $1,004 | $3,709-72.9% | $5,134-80.4% | $4,645-78.4% |