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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 | $57,590+29.7% | $86,233-13.4% | $82,448-9.4% |
| Participation rate | 22.4% | 57.9%-35.5pp | 69.0%-46.6pp | 68.1%-45.7pp |
| Annual return | 16.96% | 22.41%-5.5pp | 61.39%-44.4pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,078 | $1,655-34.9% | $2,504-56.9% | $2,551-57.7% |
| Participant deferral / active EE | $2,785 | $3,080-9.6% | $4,559-38.9% | $4,139-32.7% |
| Admin fee / account holder | $1,261 | $4,730-73.4% | $8,342-84.9% | $7,234-82.6% |