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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 | $67,229 | $81,504-17.5% | $102,437-34.4% | $80,959-17.0% |
| Participation rate | 32.4% | 66.9%-34.4pp | 74.5%-42.1pp | 67.7%-35.2pp |
| Annual return | 15.49% | 25.60%-10.1pp | 24.95%-9.5pp | 35.67%-20.2pp |
| Employer contribution / active EE | $921 | $3,104-70.3% | $3,871-76.2% | $2,757-66.6% |
| Participant deferral / active EE | $2,330 | $3,871-39.8% | $5,060-53.9% | $4,300-45.8% |
| Admin fee / account holder | $358 | $6,719-94.7% | $8,388-95.7% | $6,925-94.8% |