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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 | $83,035 | $73,988+12.2% | $96,538-14.0% | $75,177+10.5% |
| Participation rate | 32.0% | 66.4%-34.4pp | 74.3%-42.3pp | 67.2%-35.2pp |
| Annual return | 14.92% | 26.73%-11.8pp | 35.74%-20.8pp | 160.75%-145.8pp |
| Employer contribution / active EE | $955 | $2,930-67.4% | $3,740-74.5% | $2,671-64.2% |
| Participant deferral / active EE | $2,641 | $3,660-27.9% | $4,880-45.9% | $4,126-36.0% |
| Admin fee / account holder | $684 | $5,220-86.9% | $6,737-89.8% | $5,651-87.9% |