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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 | $74,693 | $63,949+16.8% | $129,031-42.1% | $94,015-20.6% |
| Participation rate | 22.4% | 63.4%-41.0pp | 73.4%-50.9pp | 70.8%-48.4pp |
| Annual return | 16.96% | 17.56%-0.6pp | 34.67%-17.7pp | 17.84%-0.9pp |
| Employer contribution / active EE | $1,078 | $1,865-42.2% | $3,226-66.6% | $2,790-61.4% |
| Participant deferral / active EE | $2,785 | $3,686-24.4% | $5,217-46.6% | $4,249-34.5% |
| Admin fee / account holder | $1,261 | $5,523-77.2% | $13,208-90.5% | $8,951-85.9% |