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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 | $62,892 | $52,306+20.2% | $69,779-9.9% | $62,8810% |
| Participation rate | 30.2% | 67.2%-37.0pp | 71.8%-41.6pp | 69.3%-39.1pp |
| Annual return | 7.32% | 13.35%-6.0pp | 12.99%-5.7pp | 20.14%-12.8pp |
| Employer contribution / active EE | $495 | $1,799-72.5% | $2,338-78.8% | $2,281-78.3% |
| Participant deferral / active EE | $1,419 | $2,395-40.7% | $2,931-51.6% | $3,203-55.7% |
| Admin fee / account holder | $1,578 | $3,691-57.3% | $4,381-64.0% | $4,296-63.3% |