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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 | $72,021 | $103,164-30.2% | $90,259-20.2% | $154,746-53.5% |
| Participation rate | 53.3% | 76.1%-22.8pp | 70.7%-17.4pp | 80.7%-27.4pp |
| Annual return | 14.73% | 19.25%-4.5pp | 18.88%-4.1pp | 172.34%-157.6pp |
| Employer contribution / active EE | $98 | $2,532-96.1% | $2,291-95.7% | $4,379-97.8% |
| Participant deferral / active EE | $2,848 | $4,422-35.6% | $3,827-25.6% | $6,730-57.7% |
| Admin fee / account holder | $3,422 | $8,593-60.2% | $7,267-52.9% | $14,365-76.2% |