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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 | $68,498 | $56,287+21.7% | $80,977-15.4% | $62,881+8.9% |
| Participation rate | 34.4% | 68.9%-34.6pp | 75.8%-41.4pp | 69.3%-34.9pp |
| Annual return | 7.53% | 22.13%-14.6pp | 17.11%-9.6pp | 20.14%-12.6pp |
| Employer contribution / active EE | $427 | $1,943-78.0% | $3,715-88.5% | $2,281-81.3% |
| Participant deferral / active EE | $3,058 | $4,196-27.1% | $5,696-46.3% | $3,203-4.5% |
| Admin fee / account holder | $523 | $3,742-86.0% | $5,517-90.5% | $4,296-87.8% |