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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 | $74,616 | $56,544+32.0% | $75,501-1.2% | $70,124+6.4% |
| Participation rate | 25.0% | 68.1%-43.1pp | 72.4%-47.4pp | 69.5%-44.5pp |
| Annual return | 17.27% | 23.59%-6.3pp | 27.35%-10.1pp | 73.14%-55.9pp |
| Employer contribution / active EE | $366 | $1,817-79.8% | $2,352-84.4% | $2,342-84.4% |
| Participant deferral / active EE | $1,091 | $2,580-57.7% | $3,142-65.3% | $3,332-67.3% |
| Admin fee / account holder | $4,480 | $3,827+17.1% | $5,801-22.8% | $4,645-3.6% |