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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 | $66,179 | $81,358-18.7% | $155,556-57.5% | $80,959-18.3% |
| Participation rate | 41.9% | 66.3%-24.3pp | 78.2%-36.3pp | 67.7%-25.7pp |
| Annual return | 12.56% | 33.39%-20.8pp | 64.84%-52.3pp | 35.67%-23.1pp |
| Employer contribution / active EE | $1,054 | $3,106-66.1% | $4,675-77.5% | $2,757-61.8% |
| Participant deferral / active EE | $3,266 | $3,455-5.5% | $5,631-42.0% | $4,300-24.1% |
| Admin fee / account holder | $1,061 | $7,994-86.7% | $15,885-93.3% | $6,925-84.7% |