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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 | $67,839 | $62,177+9.1% | $81,370-16.6% | $74,478-8.9% |
| Participation rate | 44.2% | 64.1%-19.8pp | 69.5%-25.3pp | 67.2%-23.0pp |
| Annual return | 13.18% | 16.62%-3.4pp | 24.85%-11.7pp | 1370.56%-1357.4pp |
| Employer contribution / active EE | $1,272 | $1,881-32.4% | $2,464-48.4% | $2,626-51.6% |
| Participant deferral / active EE | $2,082 | $3,219-35.3% | $3,885-46.4% | $4,350-52.1% |
| Admin fee / account holder | $1,678 | $1,927-12.9% | $5,749-70.8% | $1,946-13.7% |