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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 | $58,057+28.7% | $97,032-23.0% | $86,983-14.1% |
| Participation rate | 22.4% | 60.4%-37.9pp | 71.6%-49.2pp | 69.5%-47.1pp |
| Annual return | 16.96% | 22.26%-5.3pp | 35.38%-18.4pp | 25.83%-8.9pp |
| Employer contribution / active EE | $1,078 | $1,663-35.2% | $2,629-59.0% | $2,584-58.3% |
| Participant deferral / active EE | $2,785 | $3,244-14.1% | $4,672-40.4% | $4,194-33.6% |
| Admin fee / account holder | $1,261 | $4,839-73.9% | $9,418-86.6% | $7,856-84.0% |